Joseph Lorick was born August 25th 1981 in Baltimore, MD. He graduated from the 3rd oldest active high school in the country, Baltimore City College, in 1999. He went on to earn his bachelors in business administration from Bowie State University. As a senior, Joseph began his career in banking and has never stopped. He has worked in the collections, credit, mortgage, consumer loans, consumer checking, small business checking and strategies department within his eleven years of employment. During this time, he has spoken with thousands of customers and gained extensive knowledge about the financial habits of American citizens. Joseph is also a Christian, and has been for the last eighteen years. He works in the church as a financial counselor and also serves as a worship coordinator. During his spare time he leads financial freedom lectures and assists his community by teaching financial literacy. He is a strong believer in social progression through education and writes to further this cause.