Okay guys, as of today i'm officially broke, for the first time in my life.

[hatmoza]

Yeah, that reality hit me hard when I started getting serious with school 18 months ago. All you do is spend big bucks at the University.

I'm not broke per se . I still manage to make yearly trips around the World, but I don't spend money on guilty pleasures anymore.

Not all of us have businesses like Kowenicki stacking millions.