The Teen's Guide to Personal Finance

Joshua Holmberg and David Bruzzese, authors of The Teen's Guide to Personal Finance, grew up together and taught themselves the basics of personal finance at an early age.

Joshua and David have achieved financial success through real estate, securities and other investments after learning the hard way about financial intelligence.

Joshua completed his undergraduate studies at New Mexico State University and earned his MBA at the University of Denver.

David graduated from Santa Clara University before earning his MBA at Arizona State University.

Our Business

Dedicated to increasing the financial literacy of our young adults, we offer products and services for teens, their families, and educators.

Our seminars and public speaking events, in conjunction with our printed materials, are high impact educational resources for basic financial literacy.

Who We Are

As teens, Joshua Holmberg and David Bruzzese were not taught critical financial concepts in school or at home.  They had to learn hard financial lessons about runaway interest rates on credit card balances, the money they could have earned had they invested a small portion of their summer earnings rather than spent it, and more.

 By learning key financial concepts taught through our materials and seminars, teens will be much better prepared to avoid financial pitfalls while taking advantage of the time they have to build wealth through goal-setting, saving, investing, and maximizing their tax advantages.