Josh: I grew up right here in Arkansas. In the middle class family and my father was a pastor. We had plenty of money for food and clothes but not a lot more beyond that. And from an early age I learned the value of living within your means and limiting debt. Josh: When I didn't learn anything about investing, anything about insurance, I didn't know what a mutual fund is. Certainly didn't knowWhat an index mutual Fund is. It wasn't until really fellowship that I kind of delved into that area and then it jumped out at me.