Tim Ferch, my little brother and highly acclaimed free-throw shooter garnered a similar money mindset I did.  We’re from Small Town, USA with no formal financial training, and yet we learned to scrap and save and make our money go a long way! Here’s a bit of history from cleaning chicken coops (my friends love those stories) to glamorous salon owners in Carefree, Arizona.  We grew up together,  worked together, and played fiddle tunes together from then till now, and hopefully for many years to come!