Helping you get to the root of your financial woes...

...and plant the seeds for a prosperous future.

Did you know?

20% of Americans don’t save any part of their annual income. (BankRate)

39% of Americans would have a hard time covering an unexpected cash expense of just $400. (Federal Reserve)

76% of Millennials do not demonstrate signs of basic financial literacy. (National Endowment for Financial Education)

There is no:

• YouTube Channel
• Discord Server or
• E-mail list

...yet

HAVE SHOVEL is still very much a work in progress.

As such, there is no primary "call to action" at this time. Check out the blog to see what I've had to say recently, or poke around the site at your leisure.

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