Financial Expert/Financial Educator
I am very passionate about financial literacy. Most people would say it is sad that adults cannot read and write. It is difficult to navigate through life without having those basic skills. I believe that it is just as sad that most people do not know how to manage their money. They are financially illiterate and usually through no fault of their own.
Nobody was born knowing how to manage money, and unfortunately many of us were not taught how to manage money. Therefore, instead of taking advantage of financial services and achieving their financial goals, millions are being taken advantage of by those who profit off of their misfortune and their lack of money management skills.
My name is Joseph Dillard. I have been married to my wife, Ann, for over 30 years. We have three adult children and three grandchildren. I have been in the financial services industry for over 30 years. In fact, I began my banking career in Chicago and ended it in Atlanta.
I graduated from Northwestern University with a Bachelor of Arts in Economics and began my career in banking shortly thereafter. I spent over 15 years in Retail Branch Management. However, neither my degree nor my career taught me how to manage money. I learned the hard way by overextending myself with credit, spending more than I earned, and poorly managing my money. Since nobody taught me how to manage money, I had to figure it out on my own and used available resources to turn my personal financial life around.
During my time in banking I noticed that many people shared similar experiences as myself. They were being charged NSF fees and had their loan applications declined because they did not know how to manage their money. I began to use my experience and knowledge to help others to turn their financial lives around. I believe a little information and financial education can help people to make better choices to manage the money they make and to increase their financial IQ. A lot of people believe the answer to their money problems is more money. I believe it is not how much you make but what you do with what you make.
I have appeared on local radio and television shows in Minneapolis and St. Paul, Minnesota as a guest to talk about Personal Finance. I served as a panelist for Sister Spokesman, a forum for African-American Women in Minneapolis/St. Paul, in a discussion about Personal Finance. I have been conducting seminars and workshops for churches, non-profit organizations, and student groups in Minnesota, Illinois, Iowa, Tennessee and Georgia for over 20 years. I teach financial education and financial empowerment seminars to inform, educate, and empower individuals and families.
As a result of working with me, individuals and families will learn how to set up and manage a personal budget, reduce debt, increase savings, and achieve their financial goals. They will also learn to understand banking and investment products. I want individuals and families to learn how to take advantage of the financial services industry instead of being taken advantage of by the financial services industry.
Dare to Dream Again
Money is a very personal and emotional topic. Also there can be a lot of guilt, embarrassment, and shame related to how people are managing their money or have managed their money. As a result, many would rather suffer in silence than reach out for help. Also, many have stopped dreaming because of their financial situation. Once upon a time, they dreamed of owning their own home, starting a business, going on that dream vacation, or actually retiring when they wanted to instead of when they had to.
My seminars and coaching sessions are designed to help the participants to dare to dream again. I am thrilled to see the glimmer of hope return to their eyes as they begin to imagine the possibilities that are available to them. Unfortunately, many people think that dreaming is for someone else. I believe that dreams can still come true and financial literacy is the first step for many. Contact me today so I can help you, your team, or your organization reignite that fire and change your life or their lives.
This is my purpose and my passion. I believe that learning how to manage your money can literally change your life. I am doing what I love to help to change as many lives as possible. I invite you to join me on this journey. All the best!
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