Welcome to Radical Personal Finance, the show dedicated to providing you with the knowledge, skills,

insight, and encouragement you need to live a rich and meaningful life now while building a plan

for financial freedom in 10 years or less. My guest today is Mr.

Groove from the website freedom is groove.com and Mr. Groove you reached out

and you called me out on Twitter and you said let's see if I can get any

personal finance bloggers to pay attention. Yeah you did you would email me as well but

your email was buried in the deluge and you said I've got an idea and I'm daring any personal finance people to take a look at it and I admired the I admired your stunk I like that

your chutzpah exactly so we're gonna get to to the idea that we're primarily here to discuss, which is your idea for a junior IRA.

I think it'll be an interesting discussion.

Before that, I'd love to learn a little bit about your story and your background and where you came from especially as it relates to money.

I'm originally from New York. I don't know if you could tell by my accent.

Didn't have a clue. Okay. And again if I speak too fast or you don't understand me I won't be insulted if you say hey Mr. Groory back up do it again.

Like I said, I'm from New York and I got married in 2002 to Mrs. Groovey and we were struggling

in New York. We were getting hammered. It's tough's tough and to give you an idea, you know, this is 2003. I had a 600

square foot condo, a box and our tax was $3,800 a year.

That's crazy.

And just to show you, this was kind of like the straw that broke the camels back.

2003, my mortgage company sends me, you know, that letter, what's your tax is going to be the following year?

They were going from $3,700 to $5,400.

Wow.

And I turned to Mrs. Groug and I said,

what the heck are we doing here?

...