I really don't like the word "retired" but I do love the freedom of being "retired".
There is no magic to how Tracy and I gained financial independence at a young(ish) age. We did it by working damn hard and saving wisely.
Hindsight being 20/20, we would have attained our financial independence even sooner had we invested more wisely at a younger age. The problem is that nobody teaches you about the financial stuff you need to know. As far as your financial advisor is concerned, it’s all too often more about their self-interest than yours. You need to truly learn about financial matters on your own.
As we started to take financial matters into our own hands, our returns increased accordingly. That was the easy part. The difficult part was making this call: We have enough money; we’re financially independent and free to get on with our lives to do whatever we want to do.
I spent a lot of time reading and researching trying to figure out how much money was enough money. One day a light came on. The amount of money is less important than how that money is structured to provide your income. The financial advisor community completely ignores a whole suite of very good advice that could make a big difference in a lot of people’s lives. Tired of hearing me complaining about the crappy advice being given by others, my wife encouraged me to write a book, so I did.
My book is not extremely technical. It is not a financial textbook by any stretch. There are already lots of financial textbooks out there so I did not write another one. It’s not an exotic system or scheme. My book is more about advice and perspective and how to structure your investments so that you may be inspired to declare yourself financially independent sooner that you may have thought possible. It’s surprisingly simple when you take the time to understand it.
A few words of warning: my book is “edgy” and contains lots of profanity. I chose this style to bring more colour into what might otherwise be a very boring subject. The idea is to keep you entertained as opposed to putting you to sleep. Its written in the form of short vignettes to get my points across and then I included more technical detail in the appendices.
Enjoy my book and hopefully be empowered to make better financial decisions for yourself.