Like most everyone, I have basically worked since I have been able. Starting on my uncle’s tobacco farm at the age of 12 and moving up to a dishwasher at our local steakhouse by the age of 15, I have always clearly understood that in order to draw a paycheck, one has to work. Upon graduating college in Atlanta, where I worked in a warehouse 30 hours a week and paid for my own education, I began to understand the concept of return on investment, or making the most of your hard earned paycheck and savings.