Stanley Ngwa has lived, studied and worked in Africa, Europe, and North America. Stanley immigrated to Canada with his family. As they settled into a Canadian lifestyle, Stanley accumulated substantial debt—student loans, car loans, personal loans, credit card debt, and a mortgage. The rising debt load was stressful and something had to be done. Stanley undertook to reduce his debt, and over six years he paid off all the non-mortgage debt and is on track to cut the amortization period of his mortgage loan in half, and he did it by applying the common sense steps in this book.

He lives with his wife and four children in Edmonton. He is the author of The Journey of an African Child, an inspirational story of overcoming adversity.