John B. Mumford is the founder of The Washington Group Consultants, LLC, which works with both Fortune 500 companies and nonprofits on all phases of strategic and operations management. A graduate of the U.S. Military Academy at West Point, he served two tours of duty in Vietnam as an officer in the U.S. Army Corps of Engineers. After his service, he obtained an MBA from Harvard Business School. With nearly four decades' experience in the military, government, and business, he is also a sought-after speaker on leadership, values, and business ethics. Learn more about John at www.WashingtonGroup.com and more about Broke at www.AmericaFutureWatch.org.