Thomas P. Warren is a financial management expert currently working and living in Washington, D.C. Previously Mr. Warren was employed by a major wealth management firm in the New York Metro area as a Certified Financial Planner(c). Mr. Warren's early career was with Merrill Lynch and Co. in New York City where he held several managerial positions in finance and information technology. Mr. Warren also worked as a consultant on information technology to companies and organizations in the financial services industry. In 2008 he founded Y Squared Advisors, LLC to provide unique, specialized services to individuals and small businesses. Mr. Warren has published several online articles on the subject of personal financial management. Born Bankrupt is his first book. Mr. Warren earned an MBA in International Finance from New York University and an undergraduate degree in business administration from the State University of New York. Mr. Warren enjoys reading, boating, skiing, and winning at cards and investing. He gardens and makes mean barbecue in his Vienna, Virginia backyard. He has two children - Laura and Gregory - who reside in the New York City metro area.