MoneyConscious Student

Money Conscious StudentBook: #MoneyConscious Student (2014). I share an affinity with David and John, authors of #MoneyConscious Student. Through our connections on various social media and shared interest in personal finance, I have come to learn that they reside in Denver (where I grew up), they enjoy wine (I love a good glass of red) and that we share a passion for trying to help others achieve financial freedom.

As they note on their blog, Debt Free Guys, their mission is to help each person become Money Conscious which results in the elimination of debt and the empowerment to achieve financial success.

Debt Free GuysLike my own struggles, touched on in my book, David and John confide that despite having had thirteen years of experience working in financial services between them, they were financial messes, living in a basement apartment with $51,000 of combined credit card debt.

The pair accurately note that far too many people go through their financial lives unconscious; hence the title of the #MoneyConscious series and the first book in the series, #MoneyConscious Student, which focuses on young people and the challenge of paying for education beyond high school. John and David noted that they start the series with students because they believe the skyrocketing cost of college tuition is one of the greatest long- term threats to the U.S. economy. I absolutely agree with their assessment.

MoneyConscious StudentThe goal of #MoneyConscious Student, as articulated by John and David, is to prepare students to start their adult lives debt-free. Though short, at only 19 pages in the .pdf version I read, the book touches on ways students can financially prepare for post-secondary school, manage their finances while still in school, and explore alternatives to four-year colleges.

I appreciate the way John and David offer succinct, concrete guidance for paying for a post-secondary education while keeping debt in control. Additionally, as a retired Soldier, I salute the fact they note that military service is a viable option, one often overlooked by too many parents and students.

Are you a student, or the parents of a student looking for a guide to help you navigate the potentially deadly waters of financing education? Look no further. #Money Conscious Student is available at Smashwords, iTunes and Barnes & Noble for the low, low price of FREE, through the end of September.


Blogger-in-Chief here at RetirementSavvy and author of Sin City Greed, Cream City Hustle and RENDEZVOUS WITH RETIREMENT: A Guide to Getting Fiscally Fit.


  1. I can agree that my early twenties-I was not very money conscious.

    • It took me until my early 30s … and then I got very serious. Too serious at times according to the wife 🙂

  2. As the parents of a college sophomore, we can say unequivocally that our daughter has faced some financial challenges while living on her own. She requested, and we consented, to allow her to manage her expense throughout her freshman year. Coming up short for rent and gas money were two challenges she faced at the end of her second semester. Needless to say, she now has a part time job to cover her shortfalls and that grocery shopping beats out restaurant dining. The hardest part as parents was to not jump in and “rescue” her. She now has a game plan for her sophomore year………and we’re very proud of her!

    • There are bound to be some challenges along the way, both in financing education and effectively managing money during the period that they are own their own, attending school. I think learning how to develop – and manage- a plan is the key to financial success throughout our adult lives, whether someone is 19 and making their way through college, in their 20s starting at a low job, in their mid-30s starting to think about buying a home ….

  3. A Google+ reader notes …

    “We need more practical financial instruction for students. I hope this is a huge success.”

  4. I will have to check this out, thanks for bringing it to my attention. I have some nieces that will be graduating in the next few years.

    • It is well worth your, and their, time.

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