I grew up a small-town preacher’s son. We didn’t have much money. I lived in fear of money. Hard work was the only way I knew to deal with my fear. So, at the age of 12, I started working as a paperboy in San Antonio. After throwing the paper, I would return to some of the homes and mow their lawns. During high school, I did construction and was a ranch hand. In college, I paid my way through Baylor University working for the Finance Department. During that time, I took an investment course and the rest is history. I conquered my fear through knowledge and education.