“I was able to learn about financial freedom and personal finance,” says Marquelle Joseph, a current student at the University of South Florida (USF). “Some of the things I learned were the differences between credit unions and banks, writing checks, creating budgets, and the consequences of irresponsible money management. The lessons learned from the people of LMO will not only benefit me in the present but should allow me to build a prosperous future. The people at LMO are my mentors, teachers, friends, advisors and most importantly – family,” says Marquelle. Mr. White has told me many things but the phrase that I find myself repeating is that “A man should not think more highly of himself than he ought to think.”