Lawrence’s dad grew up poor, but he never had to do without. All that Lawrence knew about money was the same as his dad, how to work for it and how to spend it. When it comes to financial literacy, we as Americans are woefully unprepared. Lawrence went to college and decided to help people by becoming a social worker. Lawrence’s life took a turn when he got unexpectedly laid-off a year after he got married and bought his first house. However, that gave him the opportunity to really think what he wanted in the future. He finally found a company where he can take a charge of his own life, make a living and a difference at the same time. Visit virtuityfinancialservices.com to find out more about Virtuity and Hanna Horenstein.