Hi I'm Joy Oscar, a financier and private teacher. In my line of work and day to day interactions I often see bright minds that lack practical guidance in their Personal Finance. It's not their fault, it's only due to lack of exposure. It is my goal to help with my series on Personal Finance. With a credit score over 800. A multi-home owner from the age of 22, I have built up quite a bit of expertise on managing your personal finances.