Joseph Lorick

Joseph Lorick was one of the many children born in an America that was addicted to debt. He grew up in an environment that fostered a reliance on debt to achieve the American dream, and only realized as an adult that this mind frame would lead to future financial hardships and an extended retirement. His experiences in banking and as a debt removal adviser helped him realize that the financial issues he and many others have experienced can be tied to his upbringing and can only be fixed by addressing issues created well before adulthood. He also believes to lessen the impact of debt dependency within America, we must teach today's youth how to avoid a future filled with debt problems. These writings offer solutions to these issues.

While some may think D.E.B.T. "Did Everything But Think" is a catchy title, it offers much more to readers. It is an all-inclusive guide to avoiding debt traps, while on the path of financial freedom. Lorick approaches personal financial management from a social awareness point of view, using unheard stories to expose the culture of debt that dominates the U.S. economy. He points out the various influential factors that lead to increasing debt over a lifetime. This book provides all readers, despite their past, with the tools needed to obtain financial freedom. Did Everything But Think has little to do momentary lapses in judgment. It addresses the real problem of undervaluing the importance financial stability and its relationship to obtaining lifestyle dreams.

By wisdom a house is built, and by understanding it is established; and by knowledge the rooms are filled with all precious and pleasant riches." Proverbs 24:3-4 (NASB)