David Pandone was born in Ohio and left 'the rust belt' in 2002 to work as a teacher in public education. Spending most of his educational tenure teaching high school students in business electives, he quickly found that students earning their first paychecks were more likely to head to the mall than to the bank. Seeing the need for personal financial education and guidance in his students, he authored his own curriculum. Many of the exercises and assignments from the classroom were adapted to form the solutions in the MoneySmart Personal Finance Solutions books. Consistent inquiries over the years from parents asking, "Can I take your class somewhere myself?" encouraged David to craft his ideas and money managing skills into a written system. With a degree in Education, David makes quick work of fostering understanding of complex subjects like finance, cash flow, and budgeting. Working as an Independent Wealth Strategist allows David to help people grow their wealth safely, without the risk of market downturns, and dramatically improved liquidity over qualified for tax-deferral retirement programs. Learn more at https: //davidpandone.com