My name is Tom Graneau, a financial and spiritual coach, veteran, and author. Some of my other professional labels include crisis manager, financial educator or counselor, and financial management specialist.
Today, I’m an advocate of self-improvement, particularly in the pursuit of spiritual excellence. It is my belief that in spite of our unfortunate past (failures, mistakes, etc.), we can obtain forgiveness from God and become the uniquely formed individuals that he originally intended for us.
My aim is to strive for spiritual vibrancy in my walk with God. Moreover, I intend to love and accept people one-on-one, caring for them wherever they are; be honest and straightforward about my faults; and fight against poverty, crime, pain, and other debilitating human conditions within my culture. I want to encourage others to do the same.
I was born in Dominica, a small island in the Caribbean with a population of roughly 70,000 people. While growing up, I had little or no time for school, partly because of family complications. From twelve years old, I had to provide for siblings and my chronically ill mother.
At seventeen years old, my mother and I immigrated to the United States. After two years in the US, I became acutely aware of my need for an education and began to search for ways to be in school.
Roughly two years later, two concerned friends stepped into my life to assist with education. Despite difficulty with immigration, I was able to start a long, learning journey in a private school. Being unable to read or write and the oldest among all the students, I was placed in a private room to study at the second-grade level at the age of nineteen. After two years, I earned a Ninth grade certificate.
I got married at the age of twenty-four and started a family shortly thereafter. When my first child was born, I decided to join the US Navy and was sent to California. Altogether, I spent fourteen years in the service.1990
Shortly after being honorably discharged from the military, I pursued a Bachelor of Business Administration and eventually graduated with a Master of Arts degree in organizational management. After graduation, I spent roughly ten years working as a Financial Management Specialist. During that time, I conducted numerous workshops, presentations, and private consultation with members of the military, government employees, and others in the community.
I enjoyed my work as Financial Management Specialist. The whole experience was emotionally rewarding as I watched people overcome their financial challenges. At the same time, I struggled with mine. Debt (the mortgage, car loans, and high credit card balances) was taking its toll on my stagnated salary with increased difficulty to meet the financial demands of the month.2000
In the early part of 2000, I became more determined to solve my financial challenges as well as those of my clients'. I began to look into what appeared to be a big problem in our country. Seemingly, millions of people were experiencing financial difficulty with no end in sight. The situation compelled me to do some research which supported my thinking. Various surveys showed that roughly 90 percent of working adults live from paycheck to paycheck, no matter how much money they made. In most cases, the problem related directly to financial misconceptions, poor training, and lack of knowledge.
It was then that I wrote my first book: Are You Financially Checkmate,which is now being revised to include a more biblical concept.2008
During my financial research, I ran into another alarming situation that left me stunned. I discovered that home ownership is one of the biggest financial misconceptions in America. What was then Fannie Mae claimed that people bought homes for various reasons: 43 percent of those surveyed indicated that safety was their primary reasons for purchasing a home; 33 percent sighted proximity to quality schools as their motivation; and 83 percent admitted that financial incentive was their main drive. Clearly, the majority of people buy homes for wealth accumulation.
What I learned was that home ownership does the exact opposite. It depletes most people's wealth building capacity over time by consuming their hard-earned income and cash reserve while restricting their ability to capitalize on other types of investments. It was then that I wrote my second book: Renters Win, Home Owners Lose: Revealing the Biggest Scam in America, hoping to educate the public about the problem.
Meanwhile, I stayed engaged with other responsibilities within the community. I worked in various capacities, both in the church and on the job. Some of my duties included family counseling, financial counseling, crisis management, and others, all of which have been extremely rewarding.Present
As an author and spiritual coach, I'm focused on a broad educational theme for spiritual and social change, which I refer to as The Uncommon Language of Life. The aim is to encourage self-balance in all areas of life, including spirituality, positive self-evaluation, relationships, and more.
My goal is to unravel the ambiguities of life that keep most of us stressed, tired, lonely, fearful, and confused, and reveal an alternative way of living that brings peace and spiritual freedom.
The future looks promising. The way I see it is there's no greater mission in this life than the pursuit of spiritual virtues; and there's no greater purpose than to educate others about successful living.