Americans have more debt today than they’ve ever had – even at the height of the Great Recession. And the unfortunate truth is that most people were never taught how to manage their debt and maintain financial stability. Without the right information, how can American families ever reach their goals? The answer is that they can’t. People need accurate information from qualified financial experts if they want to succeed.

Providing that information is Howard’s passion and mission. He’s built his career on helping people get out of debt, achieve stability and learn to make their money work for them. As a personal finance expert, Howard uses every outlet possible to inform consumers, so they can make smarter financial choices and achieve their goals.