About PeerFinance101

The only personal finance blog about YOU! Real stories about debt, investing and peer to peer lending from readers like you.

You’ve made it this far and you’re probably aware that it isn’t the only personal finance blog on the ‘net. In fact, there are some really great blogs out there and some bloggers with really amazing stories. So why would you need blog #1,000,001?

Before you click away to watch the latest video of a cat playing piano, let me ask you one question.

What is missing across all the blogs, investing sites and personal finance sources on the web? Of nearly all the internet resources available to help meet your personal finance goals, what is the one thing lacking?


Nearly every blog I’ve ever read is written by one or two people claiming their own perspective on finance. They may have some good ideas and some great advice, but they are not you. When I started this blog, I almost fell into that same trap. I put together a list of all my financial accomplishments and set about crafting my story for the site.

It would have been just another blog about one person’s views and ideas.

Then I thought, why not make a blog where everyone could share their personal finance stories. I would still moderate, posting ideas and advice, but the blog would be here to highlight readers’ stories.

It would be your story, your personal finance journey and how you got there.

PeerFinance101 is about people sharing their personal finance journey so everyone can learn together!

Check out some of our previous PeerStories from readers,
See how Debbie turned her budget around to pay off more than $20,000 in debt!
Learn how one reader rode the retirement roller-coaster after the market crash of 2008
Read the PeerStory of my first money blunder and how I got back on track!

As for my own story,

As an investment analyst for nearly a decade, I love writing about investments and how to turn consistent returns into your own financial freedom. Like so many people, I was once trapped into the money myth and what I thought it meant to be wealthy. After successfully investing through the internet bubble and taking advantage of the lead-in to the housing bubble, I thought I had made it to financial freedom.

I had a brand new sports car, a Rolex and everything I was brainwashed to think that you did when you were successful…but I wasn’t happy. I absolutely hated my 9-to-5 job and was just waiting it out a few decades to early retirement.

It took losing much of what I had in the bursting of the housing bubble to figure out that it wasn’t the life I wanted. So what if I were able to save enough money to retire rich. Who wants to be an 80-year old millionaire if you had to eat oatmeal all your life to get there?

I work harder today than I ever did when working a 9-to-5 but can truly say that I love my job. Instead of what everyone tells me is the meaning of financial freedom, I reevaluated what it meant for me and live it every day. I’m not waiting until retirement to be happy and I don’t think you should either.

Not sure where to begin? Get your free 12-step Financial Freedom Checklist and be on your way to a happier financial future.

Email me at jhogue@peerfinance101.com or through the contact form to share your personal finance story. You don’t have to provide your full name and I’ll never share your email information.

joseph hogueMy name is Joseph Hogue. Born and raised in Iowa, I graduated from Iowa State University after serving in the Marine Corps. I started out in corporate finance but quickly realized that I had a passion for investments and helping people understand their money. I have appeared on Bloomberg and led a team of equity analysts for a Canadian private equity firm. I also hold the Chartered Financial Analyst (CFA) designation, the gold standard for ethical and professional conduct in investment management.

An investment analyst by profession, I run two blogs (Crowd101 and PeerFinance101) in personal finance, peer lending and crowdfunding. I’ve been on both sides of the table as a lender and a borrower and am excited to be a part of the peer movement. With the power of the internet, people are helping other people manage debt and raise money in ways never before possible.

  • Check out my crowdfunding blog at www.crowd101.com for everything you need to know about running your crowdfunding campaign and investing in small businesses.
  • Trying to get started investing and tired of losing money in stocks, find out how to win the stock market game on My Stock Market Basics.
  • Looking for a work from home strategy to be your own boss? Learn how I make thousands a month and am happier than I’ve every been on My Work from Home Money.