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I'm Josh Bird, the skater turned chemical engineer turned MBA student and all around financial fanatic. I agree it is quite the odd combination. Let me start from the beginning. It was late 2012 when I got my "big boy" job offer as a budding chemical engineer when I realized something, I had absolutely no clue how to handle money. Seeing how I was about to graduate in a year and was $65,000 in debt with student loans with absolutely no savings, I figured it was a good time to learn to do so. Such began my quest to learn everything I could about money and how it worked. I've spent literally 100's of hours reading, researching, and rereading everything I could find on personal finance and investing. With my background in engineering, I wanted to create a system that could optimize my finances for the long term. Along the way I discovered that there is a TON of misconceptions out there and most of the "conventional knowledge" about finance is completely wrong. I've made it my mission to create this site to help other people optimize their finances and live their life to the fullest potential. Along the way I will be writing about anything and everything that I feel my readers can benefit from. I invite you all to join the YAM community and be a part of the conversation. If you have any ideas for a post then please send them to me at joshua.bird@younganalyticalmind.com. Stay curious my friends...