Peter Bielagus (Bill-a-gus) became a top authority on money management for Young America the hard way− by first falling deep into credit card debt. Peter entered college with several thousand dollars in savings but within 6 months he found himself $5000 in credit card debt. Determined to dig his way out of debt, Peter began learning about personal finance, reading over 300 books on the subject, interviewing experts and attending seminars. By graduation, Peter’s cards were clean and he was on his way to financial freedom.

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