The owner of BJLB Enterprises is Brandon J. L. Bernal. He is not a traditionally taught web developer and stock market investor. Brandon does not subscribe to the idea that all careers require a College or University degree. He also does not believe that anyone should go into debt for a degree. Brandon believes the reason that individuals in the United States are swimming in debt is because they do not get finacially educated early enough in life.

Brandon believes financial education should be a required course before a person graduates from compulsory education; the sooner the better, as often as possible, and as in depth as one can get. This course should require that a student hold a paper-traded stock portfolio, draft an annual household budget and quarterly budget analysis and addendums, all while being taught basic accounting and economics.

While this is currently wishful thinking. Checkout a few media items that color this bias against the norm.

Spent: Looking for Change

Spent: Looking for Change is a film about everyday Americans without the financial options most of us take for granted and the movement giving them renewed hope. To find out more and take action, visit

Turning to pawn shops, check cashing services, and using payday loans to meet basic financial needs can be costly for many of us, with $89 billion a year going to fees and interest* for using these types of alternative financial services.

It's time for change. New technology, new ideas and encouraging dialogue around this issue can help make managing money simple and more affordable.

American Express is presenting this documentary to help improve financial inclusion in the United States. Academy Award®-winning filmmaker Davis Guggenheim is the executive producer of the documentary which is narrated by Tyler Perry and directed by Derek Doneen.

*Source: CFSI, November 2013 Market Sizing Report
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Last Week Tonight with John Oliver: Predatory Lending

Last Week Tonight with John Oliver: Student Debt

Disclosure: These videos have PG language in it that I do not condone. These videos are the property of HBO, distributed through the Last Week Tonight with John Oliver channel on YouTube.