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Although a native Virginian, Pat has branded herself as a Georgia Peach for over 35 years. She acknowledges having no financial credentials, but is uniquely qualified to pen her first book, "Snowball Investing," on financial matters as a result of a family crisis and the knee-jerk urgency to transform her own finances. Using the principles of stewardship, she recounts in detail the steps taken to erase all debts and to create a comprehensive financial portfolio to outweigh unforeseen future expenses.

Pat Peoples Smith