Ricardo is an entrepreneur, investor and personal finance nerd who enjoys working out, spending time with his family and friends, and helping others achieve their financial goals.

After graduating from university and working in the construction industry for many years, Ricardo realized that you shouldn’t need a finance degree to be good with your money. So, in 2018 he set out to create The Modest Wallet to help people better understand money.

Ricardo has been quoted as a personal finance expert in several online publications, including Healthline, Bankrate, GOBankingRates, MSN Money, Yahoo Finance, Forbes, U.S. News & World Report, and USA Today.