Randy Kirk and Jane Kirk, HIA, ALHC, are a husband-and-wife writing team of both fiction and nonfiction. Randy had a twenty-five-year career with the IRS, and Jane spent twenty-two years with a large national insurance company. They have successfully used many of the ideas in the book Retired Broke to secure their early retirement. They currently live in a Midwest suburb with Jane's eighty-five-year-old mother and their two aging cats.