Joey Ruffalo, MBA-FP, is the owner of J.R. Financial Coaching. He is a #1 International Best Selling co-author of the book The Transformation Within and the #1 New Release An eBay Seller’s Guide to Financial Planning. Joey has paid off over $370,000. Joey has been a Top Rated Seller on eBay since 2000. Joey is a leading expert in financial planning for your eBay and e-commerce business. A regular guest expert featured on the eBay for Business podcast, Joey's insight into the reselling community is invaluable. Having run several successful small businesses, Joey knows what it takes to succeed. Combining his love of selling with his passion to help others, Joey offers a unique perspective on financial planning.