The site authors have degrees in finance and business.
The site authors have also dealt with massive debt, and have decades of investment experience in stocks, bonds, etc. In that sense we have both practical experience and formal education in finance.
Having said that, I am not your financial advisor. Nothing on this site is intended to be personal advice directed towards you. This site contains our thoughts, and discusses what we would do in certain situations – not what you should do in your specific situation.
We hope this site will be useful and valuable to you, however nothing here should be construed as personalized investment or financial planning advice.