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My name is Francis Farrugia, husband and father of two boys.  I have known my low points in life and I have sunk to the bottom never thinking for a moment I could rise back up until some friends came along from nowhere and gave me hope.

I am here to share my story with you not to take anything from you; but to tell you how I succeeded and how slowly and surely I began to climb from the dark hole that I found myself to a new life, where once again it has become a pleasure to smell the roses.

This is not simply a story about money, but about re-establishing your self-worth and pride; especially if you have had it knocked out of you.  So, thank you for being here; if you are one of those people, I really believe you are in the right place.

If you can only grasp the thought that money is only a reflection of the value you can make the space to create in your life for yourself and for others, you will see miracles that you never believed could happen.

For now, let me just say here's to you for finding the courage to dig deep and for plucking enough courage to begin again.  Remember, I will not abandon you!