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About Us

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Joseph Dillard


About Me

Hello and welcome to my personal finance blog. I am writing this blog to give ordinary people information about money to help make life a little easier. 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 they were taken advantage of by those who they thought were helping them.

My name is Joseph Dillard. I have been married to my wife, Ann, for 30 years. We have three adult children and two grandchildren. We recently moved from my hometown in Minneapolis, MN to Atlanta, GA. I began my banking career in Chicago and ended it in Atlanta.

I graduated from Northwestern University with a B.A. in Economics. I appeared on "Wheel of Fortune" during College Week in 1985 and was the big winner! I have been in the financial services industry for over 30 years. I spent over 15 of those 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 (at one time my wife and I had 12 credit cards-most of them obtained before or soon after graduating from college), spending more than I earned, and poorly managing my money. Since nobody taught me how to manage money, I used my experience and 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 that for the most part 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/St. Paul 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, and Georgia for over 20 years. In 2009 I originated “Activate the Dream through Financial Education”, a Financial Empowerment seminar held on MLK Day to teach Financial Education to individuals and families.

I look forward to sharing with you and hearing from you as we venture together on this journey to empower ordinary people to change their lives with extraordinary outcomes.

My Approach

Millions of people are giving more of their money away to banks and other financial services institutions while getting little in return. I am very passionate about teaching people how to manage their money and teaching them the rules to win the "Money Game". Banks and other financial institutions win at the "Money Game" because they know the rules. I try to help level the playing field by teaching regular people the rules and giving them the tools they need to win! I believe that teaching people how to manage their money can truly change their lives.

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.

From Banker to ExBanker

I began my banking career in Chicago almost 30 years ago. I started at a small community bank and learned the importance of relationships in banking. It was rumored that while looking through one of the credit files, one of the Credit Analysts found a commercial loan deal written on a napkin. Wow! Over the years banking has become more about numbers and the bottom line, with customers being seen as numbers and service being a catch phrase that is almost non existent. I left banking to build relationships, change lives, and to enjoy financial independence and the freedom it brings. Many people have dreams, and I want to help as many people as possible make their dreams come through by empowering them to change their lives. The impossible becomes possible with knowledge, information, and action. That's exciting to me! I hope you enjoy my blog. All the best!

Let's Get Started!

Get your free copy of my e-book: Money Management 101. Valuable tools to start winning the Money Game!