Wacinque A.K. BeMende is Founder of KaizenRhino.  Wacinque served 40 years in the military, starting with the Marine Corps, and mostly as a Licensed Practical Nurse.  He volunteered with programs serving unbanked and low income families with tax preparation, financial coaching and debt reduction.  His direct, global exposure to poverty lead to his entrepreneurship passion and to design the Global Permanent Investment Account. Wacinque studied Banking and Finance and received his BS degree in Human Services at Upper Iowa University.  His Master’s concentration was Adult Education and he was an adjunct instructor of personal finance for Central Texas Community College.