Americans do not have enough money to cover a $400 emergency- Forbes


 38% of American families have credit card debts


The average home price in the U.S. in 2020 is $226K- Zillow


of Americans are participating in their employer-sponsored 401K as of 2017 – personal Capital

About us

Dr. Paul Etienne enjoys  writing , learning and spending time with family

Dr. Paul Etienne is a financial and business consultant in Orlando, FL. Paul holds a Bachelor of Science degree, an MBA and a Doctorate in Business Administration with a concentration in Finance. He has worked for large, well-known financial firms throughout his career. Paul and his wife Vanessa share their home in Central Florida with one extraordinary daughter named Delaney and a wonderful son named Vansley. Paul brings his longstanding experience and vast knowledge of the financial sector to his audience through his book, podcast, training courses and blogs, in which he aims to help as many people as possible with a wide variety of financial advice. He also blogs regularly on www.madbu.com on subjects ranging from personal finance, debt, budgeting, real estate investing, mortgages and retirement and more. In his free time, Paul likes to play the guitar and code, investing in real estate and helping others to become more aware of their finances. He is a lifelong student of all things and is always learning about new ideas. The future, as far as Dr. Paul is concerned, will see him helping more and more people to learn about managing their personal finance and assets, so that they can remain financially secure with the help oh his book and his budgeting app MadbuMax.

Read the book on financial literacy today


About MadbuMax

Enjoy the best design and functions combined in a budgeting software

Managing money is not a problem anymore. You have the most successful program to do it properly, just a few clicks away. Tested by a number of different experts. Discover how it works.

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A few things we’re great at

We share the best financial tips and tricks with you. Things that they did not teach you in school, but you need to succeed in this world.


We review credit card and other financial services options to give you an idea of what to expect, and to help you maximize on the rewards and benefits offered by the major credit card companies and other financial companies.


We provide free information on a number of financial topics to help you make better financial decisions. We cover topics like debts & loans, real estate & mortgage, investment & retirement and more.


We provide a number of tools to help you improve your financial life. From different calculators to our budgeting software “MadbuMax” we have a range of products that will help you accomplish your financial goals faster with less efforts.

We Inspire

We give you the steps on how to be more financially free. We share our own accomplishments and other members’ accomplishments with you to inspire your financial freedom’s quest.

The secret sauce

 Do not just read about financial freedom, but start taking actions once it makes sense to you. If you need help please check the “contact us” section


Be open-minded to new info

Ask questions

It is ok to not know everything


Once you have the information needed do not just stop there.  Take action

Madbu Pioneers

None of this would be possible without the support of these people

Vanessa Etienne


Ernest London


Evena Mercier


Lourdes Ductan


Latest news from our blog

Learning area

Introduction The debt ceiling is a critical aspect of the United States’ financial system, with profound implications for the country’s economy and its citizens. As a concerned American, understanding why you should worry about the debt ceiling and its impact on the middle class is crucial. […]
Introduction In recent years, more and more investors are seeking to align their financial goals with their personal values. Socially responsible investing (SRI) has gained significant traction as a strategy that enables individuals to invest in companies that promote positive social and environmental outcomes. This article […]
Introduction Investing during a recession can be a daunting task, as economic downturns are often accompanied by increased market volatility and uncertainty. However, with the right strategies and a long-term perspective, it is possible to navigate these challenging times and even find profitable opportunities. In this […]

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