Welcome to The Financial Journeyman.
The Financial Journeyman is a blog about my Journey toward financial independence with the goal of retiring early.
My journey toward financial independence started in 1997. I was 20 years old, working hard in a factory during the day while attending college at night. The long days at the factory shaped my work ethic. It also allowed me to earn decent money.
While performing manual labor paid well, it was not the life I wanted. I dreamed of being free, of not having to wake-up to the sound of an alarm clock. I dreamed of having enough money that would allow me to spend my days reading, exercising, fishing, traveling, maybe running a small business, and trying to help others.
To reach my goal, I knew that I needed to become educated in investing and to become an expert in personal finances, I bought a book on investing, The Richest Man in Babylon, by George Samuel Clason, because it looked like a quick read. I also bought Charles Schwab’s Charles Schwab’s New Guide to Financial Independence because– the title said it all to me.
Saving money came naturally to me, but Clason’s book of parables taught me that saving money was the first ingredient in building wealth. Charles Schwab’s guide taught me that mutual funds are a great way for personal investors to build wealth. I continued to read as much as possible and learned that index funds were the best option for individual investors due to low fees.
While working at the factory, I managed to save 25% of my pay. I invested that money primarily in index mutual funds. It did not take long for my savings to add up.
Along with formally studying business in college, I began to study investing and personal finance on my own. When I was not studying a textbook for an exam, I was reading an investment book. My approach towards investing and personal finance has been greatly influenced by the writings of Jack Bogle, Jason Zweig, Dr. William Bernstein, Larry Swedroe, Paul Farrell, and Dr. Thomas J. Stanley.
After finishing college with minimal debt, I started my career in business. I have held positions in Marketing, Government Affairs, and Human Resources. I went back to graduate school and earned a Master’s Degree in Organizational Management. I used that advanced degree to transition into a management position with a greater salary.
In 2007, I married my best friend. We are both now on the journey toward financial independence. We purchased a small house, save more than 50% of our salaries, and live a frugal life because we crave financial freedom more than material possessions.
I have been on the journey toward financial independence for many years. There has never been a time along this journey where I have felt deprived because my high savings rate prevented me from buying something that I wanted. I truly want for nothing. I want nothing other than having enough wealth to live life on my own terms.
Thank you for taking the time to read about my journey toward financial independence. Our FIRE date is set for December of 2028. Check out the rest of the blog and read the posts. If you like a post, please comment on the post and share it on social media.
Please remember to check with a financial professional before you ever buy an investment and to read my Disclaimer page.