Josh grew up at Wappapello Lake, Missouri, a Corps of Engineer's reservoir situated at the edge of the Ozark Foothills in Southeast MO. Wappapello Lake is a beautiful and rustic place bordered by the Mark Twain National Forest and the Mingo National Wildlife Refuge. In 1993, Josh graduated Valedictorian from Puxico High School, and enrolled at Missouri State University (Southwest Missouri State, at the time) in Springfield, MO. Josh attended college on an academic scholarship, as well as earning a Bright Flight scholarship. In 1998, Josh graduated Magna Cum Laude with a double major in Economics and Business Management, earning his Bachelor of Science degrees in both. After college, Josh embarked on an entrepreneurial career that eventually led him to entering the financial services industry in 2009.
Josh married his soulmate, Jennifer Null, shortly after graduating college. They and their three children, Payton, Ashton and Josephine, live in Fairhope. Josh and Jennifer are members of Christ the King Catholic Church in Daphne, where their children also attend school. Their family is heavily involved in sports, school and church activities. Their family also greatly enjoys taking their boat out on all of the wonderful waterways of Lower Alabama and spending as much time as possible outdoors.