Bryce Bartruff, PhD has taught on personal finance for over 20 years. He currently travels throughout the country conducting his five-hour seminar called Fiscal Fitness to individuals in all economic levels. For 14 years he was involved in business, managing projects with annual budgets as high as 30 million dollars, has spoken at numerous global business conferences and served as adjunct faculty for a research institute. He is the Senior Director/COO for InFaith (established in 1817). An accomplished writer, Bryce has written a monthly column on personal finance for a professional publication, authored four books and over 50 self-study courses.