Hey, I’m Phil Usher. 

I do things differently to most finance experts out there. For starters I love coffee! And travelling overseas and doing all the other things that our generation were told not to do. I just adjusted my income to make it happen.

I'm also pretty obnoxious and cheeky A.F. I need to be this way. There is so much crap out there in the industry and I pride myself of calling people on their bullshit.