Joe A. Bongiovanni has been a student of the monetary system for over 30 years, continuing the work started by his father, Joseph T. Bongiovanni (1910-2001). Born into a large family in 1943, he grew up on Long Island, NY. Completely self-educated beyond high school, he homesteaded with his family in the Canadian Maritimes in the 1970’s.

From 1980 until 2003 he lived in Marshfield VT, during which time he served as the General Manager of Washington Electric Coop and the Town of Hardwick VT Electric Coop. Energy policy and planning is another lifelong interest of Joe’s and he still serves on the Boards of the Coventry Clean Energy Project(methane) and the National Rural Electric Cooperative Association. He has blogged for many years under the name Joebhed.

In 2003, he and his wife of 35 years, the painter Helen Maffei Bongiovanni, moved to Harborton VA, where he continues to study, blog, and speak about debt-free money in his “retirement.” Joe and Helen have a daughter and granddaughter in VT, to whom he repeatedly dedicates this work, and an adopted Colombian daughter who lives in Florida.