Your recipe for financial independence.

A lighthearted & inspiring financial journey with tried and true highfalutin economic theory or fancy schmancy money formulas here!

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What's in the book?

In Baker’s Dirty Dozen Principles for Financial Independence, you will find no highfalutin economic theory or fancy schmancy money formulas. Just a recipe for Financial Independence and principles that have been tested through personal experience and teaching personal finance for 21+ years.


Define a vision for your personal & professional path to incorporate into your financial plan.


Know your spending habits and develop a good budget system to avoid common financial mistakes


Learn to invest in appreciable assets, build an investment plan, and understand investing lingo.


Learn to buy the right home and pick the right mortgage for what is likely your biggest life purchase.


Establish an insurance & income-protection plan that is right-sized for your personal situation.


Learn how to leverage your finances to make a difference in your family and community.

Praise for Baker's Dirty Dozen

"Read this book and reap . . . a sense of security, financial well-being, a comfortable retirement, peace of mind with your significant other, and smiles . . .The lessons are so profound and poignant, you may want to share them with those you love and care about."

Dr. Mary Ann Campbell, CFP® aka Dr. MAC at Money Magic

"I highly recommend you read, integrate and live by Baker's Dirty Dozen. I credit much of my success to being financially prepared for a "non-traditional" career and Joey Baker was a big part of that preparation!"

Blair Green Thielemier, PharmD, BT Pharmacy Consulting, LLC

I have admired Joe’s generosity in the lives of students through the years. He practices what he preaches and many have been impacted by him and his family. I’m so thrilled he has captured the essence of what he has learned and successfully practiced about money in this book. We can all benefit from this wisdom!"

Paul Riviere, Arkansas Secretary of State from 1979-1985 and currently with Pilkerton Realtors

Look Inside!

Not sure if Baker's Dirty Dozen is right for you? Download a free sample that includes:

  • Table of contents
  • Introduction
  • Chapter 1 (Principle #1 - Find a path that will fulfill you)
Free Book Sample

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Whether you're a personal finance newbie or looking to fine tune your financial plan, Baker's Dirty Dozen will help you avoid common financial mistakes, establish an investing plan, protect your assets, and more!

  • Paperback book
  • Investing online mini-course
  • Pharmacist's Guide to Conquering Student Loans (Paperback book)



Looking to up your investing game in addition to getting a well-rounded overview of the financial plan? The premium package includes a copy of the book + an investing video mini-course taught by the author himself, Joe Baker. You'll get instant access to the video course upon purchase.

  • Paperback book
  • Investing online mini-course
  • Pharmacist's Guide to Conquering Student Loans (Paperback book)

Premium PRO


If you have student loans, this is your package! In addition to a copy of Baker's Dirty Dozen and the investing video mini-course, you will receive a copy of The Pharmacist's Guide to Conquering Student Loans. This resource is designed to help you analyze all of the student loan payoff strategies available so you can confidently choose a plan that will save you the most money and align with your goals.

  • Paperback book
  • Online investing mini-course
  • Pharmacist's Guide to Conquering Student Loans (Paperback book)

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Meet Joe.

Joe Baker is an Adjunct Assistant Professor at the University of Arkansas for Medical Sciences College of Pharmacy where he has taught personal finance for over twenty years, as well as an adjunct instructor at Harding University College of Pharmacy. He holds a Bachelor of Business Administration from Southern Arkansas University and a Masters of Business Administration from the University of Central Arkansas. Joe retired early in 2019 from Pharmacists Mutual Company where he provided insurance and financial services to Arkansas pharmacists for twenty-eight years. Joe has spoken to both academic and corporate groups across the country promoting financial literacy. 

In an effort to give back to his community, he has endowed a scholarship fund for students graduating from his hometown of Emerson, Arkansas.

Joe and his wife, Brenda, live in Little Rock, Arkansas.

Connect with Joe