"After hearing Joe, my wife and I decided to fully take his advice. Within 5 days, we managed to make a budget work, work the IWBNIN Ladder to Rung 4, close 20 credit accounts, getting rid of 70k in potential debt, and have a plan on closing 100k in true debt within 5 years!"
- Stephen 
"My car just broke down last week...it needed nearly $1,000 of repairs and maintenance and guess what? It wasn't scary at all...I had the money and it felt great!"
- Valerie


  • Being able to dream again - and make those dreams become reality

  • Paying all of your bill on-time and still have money left over! 

  • Positioning yourself to pay cash for your child(ren)'s college

  • Making the decision to become a stay at home parent

  • Having a home - without a mortgage

  • Being able to work your dream job - even if it paid less money

"In one month's time we were able to: not only pay all the bills on time but catch up on past bills, get my wife's car fixed and rent a car while it was in the shop, use our bonus as an ACTUAL bonus, take a short unplanned vacation, and we currently have something we have never had before...a buffer in our checking account!" 
- Matthew














Experience 9

Experience 10


take your next step. Join now.

"We owned our own business and never thought we could ever be on a budget. This plan helped us greatly! Before we started, we owed 90k to the IRS with no hope to pay it down. Now, we're less than a year away, on the 5 year plan, of having that debt gone! I once was broke and now I'm not!"


The Financial Freedom Experience is an online course geared to help you take your next step with your finances.

Whether you need help with a budget and are living paycheck-to-paycheck or you're looking to invest for the future - this course has something for everyone! 


The truth is that most of us know what we need to do, but we struggle to do it. This is where the real value of the Financial Freedom Experience comes in: Community.  Not only will you receive regular encouragement from the IWBNIN Team, but you will also be connected with fellow participants who will provide that extra boost to take your next steps.

This online course contains 10 life changing video coaching sessions delivered online and on-demand at your pace! 

Maybe you're a stay at home mom looking to take your finances to the next level during nap time or perhaps you're in the business world and need to listen to each experience on the go - we've got you covered! 

"The most helpful thing, honestly, was that I walk away with HOPE! It's been many many years since I've been hopeful about my finances, since I've been managing my money poorly for as long as I can remember. I never realized how much stress I was under as a result. This put a spring in my step and gave me a new motivation to make changes. I've already started changing some of my spending habits and "cutting the fat" with several of my expenses."
- Stephanie

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Each coaching module includes:

  • A coaching video and accompanying listening guides
  • Supplemental teaching videos (including teaching of the IWBNIN Free Financial Tools)
  • A downloadable .mp3 audio file so you can listen on the go
  • A plethora of additional resources, next level tools, and Money FAQ

Every member receives:

  • Access to a "member's only" area - complete with login and password
  • Monthly budget reminders
  • Monthly saving tips
  • Next level financial tools
  • Exclusive contact form to receive priority response time status from IWBNIN team
  • Exclusive access to a members only Facebook group where you can share stories, ask questions and build community
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Joseph Sangl is a leading teacher of personal finances. It is his passion and mission “to help people accomplish far more than they ever thought possible with their personal finances.” He firmly believes that when people are financially free, they are much more likely to go do EXACTLY what they have been put on Earth to do – regardless of the income potential.

He is the founder of I Was Broke. Now I’m Not., an organization that provides financial teaching through live events, print and web resources. He is also the President and CEO of INJOY Stewardship Solutions, a company providing solutions that resource the vision of the local church. Joe is also the Co-Founder of Fully Funded, an organization that helps churches implement systems to create a generous culture and fully fund their vision. 


He has taught hundreds of thousands of people through Financial Freedom Experiences, Financial Learning Experiences, one-on-one financial coaching sessions and personal finance messages. Joe has also authored several books including:

His story has been featured in Money Magazine, the world’s largest personal finance magazine.

He obtained a BS degree in Mechanical Engineering from Purdue University in 1996 and an MBA from Clemson University in 2001.

Joe resides in Anderson, South Carolina, with his bride, Jenn, and three three children.

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"You have broken down for me what others have been trying to explain for years now. Now I can practically apply what I've heard"
- Ebony