If you resign yourself to just being a 9-5 worker the majority of your life, you’re missing out on seeing the bigger picture and living a deeper, more fulfilling life.
Things like money and power, to the extreme, are the things that corrupt our values. We lose sight of what really matters in life. Our selfish mentalities complicate and create a backward set of priorities, preventing us from living our best life.
A perfect example is workplace politics. When your basic needs and livelihood are on the line, you’ll jump through any hoop that your boss tells you to jump through. If you have a difference of opinion, you’re likely to keep your mouth shut or choose your words wisely. A co-worker might be a friend until you’re competing for the same promotion.
You may be at the point of realizing that you’re sacrificing your physical and mental health just to advance in a career where you’d be easily replaced within weeks if something were to happen to you.
Yet, money is an inescapable necessity in order to survive in this world. That is why we preach a combination of saving and investing towards financial independence.
Many people hate their jobs, but no matter how much you inherently love the work that you do making money work for you rather than working for money is how you gain the freedom of choice. Being unburdened financially allows you to choose between staying with an employer because you like them and they treat you well or leaving for someplace better because the work environment is toxic. You can even choose to be your own boss and work on your own terms if you so choose.
Most people would consider a six-figure job to be well-paying. If you make $100,000 a year you’re in the top ten percentile of wage earners in the U.S. Most people would also consider a six-figure job at Apple to be prestigious. Here are some facts to potentially change your perspective: did you know an Apple employee that makes $120,000 a year earns $0.00055 for every iPhone that’s sold? On the other hand, an Apple shareholder earns $3.33 in dividends for every iPhone that’s sold. If you didn’t know before, you should know now that investing and building your own business are the key ways to building wealth – not your salary at your day job.
If you’re reading this blog your goal is to find a life purpose of something other than hoarding money and material things in an attempt to impress others or prove that your lifestyle is commensurate to that of your job title or socioeconomic status.
We’re here to reassure you that there IS an alternative lifestyle that might be a better fit for you. Going against the grain is by no means an easy task. You may be judged for being different and get cast into self-doubt. You’re not alone because we’ve had to go through the same thing, too. There are always obstacles to achieving anything worthwhile.
That is why, other than teaching you the in’s and out’s of managing your money, we have a whole section dedicated to mindset because having the mental fortitude to persist and not give up will pay dividends.
- We believe ANYONE, regardless of age or income level, can achieve financial independence if you test your ability to save and invest.
- We believe money is just a tool and achieving financial independence is the first step in finding your life’s purpose. Once you’re free from working for a boss and being a slave to your alarm clock in morning, making the choice to be an entrepreneur could be one of the best choices you’ll ever make.
- Time, not money, is your most valuable asset and you should treat it as such. Life’s too short to postpone doing what you really want to do, even if there’s no immediate payoff. The investor’s mindset is all about delaying gratification. Ultimately, it’ll all be worth it – financially and spiritually.
- ACTION is what drives you to discover your purpose, NOT endless thinking and what-if’s. They say Rome wasn’t built in a day. Take small, actionable steps and add to it gradually.
We’ll step-by-step guide you towards YOUR financial goal.
- a seven-figure net worth
- a sizeable amount of savings you can fall back on during hard economic times
- an increase to a six-figure income working on your own terms, not your boss’
If you manage to achieve this, you’ll be in the minority.
You may be drowning in student loans or credit card debt, living paycheck to paycheck, and feeling overwhelmed like it’s hopeless but we’re here to show you that it’s possible to thrive and HOW to succeed.
When learning to manage your finances, you’ll discover that saving money and building wealth is not a get-rich-quick scheme but a gradual and consistent process.
Just realize, rich people have money problems, too, just in a different way. Having more things in your life also sometimes makes things unnecessarily complex. That’s why we’re very much about minimalism. Most personal finance blogs preach frugality, but our belief is to allocate your resources towards what you prioritize most and invest in quality while minimizing your focus on what you deem less important.
Once your options have opened up, we’ll explore together the possibilities of finding your place in the world and adding value to it. With a combination of luck and hard work, you’ll reach the top of the pyramid in Maslow’s hierarchy of needs (self-actualization/enlightenment). If you think reaching financial independence is difficult, unlocking your fullest potential is even more challenging.
Who We Are
We are accountants by day, adventurers by night. We are a young couple forging our own path, much like you, and aren’t claiming to have it all figured out. We’re constantly learning and growing so that we can share with you what we’ve learned.
We know the challenges of the 9-5 grind and we’re here to exchange our knowledge and experience with others that share the same goal of living a freer and more fulfilling life.
Back in early 2017, I left the corporate world as a CPA working at a Big 4 accounting firm in pursuit of life beyond the spreadsheets.
Since putting aside my accounting hat, I’ve explored various different interests to see what the world has to offer. Doing this has given me a lot of clarity about what I really want out of life.
I have witnessed people in their offices working each and every day wondering what is going on in the outside world. “How people can afford not to have a day job?” It’s funny because when I was young I used to be curious about what goes on in those big, impressive-looking office buildings down in the financial district of my hometown. Now that I’ve experienced it for myself, it’s like knowing what it’s like living in two completely different worlds!
Before being financially independent, Kathy is still ambitious in advancing her accounting career. (Hey! At least one of us needs a consistent source of income to pay the bills.) Our teamwork as a couple allows one of us to pursue entrepreneurial projects, such as this personal finance blog.
With a degree in accounting, 5+ years of experience in various finance and accounting roles, and a California CPA license (see our Linkedin profiles: Kathy, Garmeon) we’re starting this blog to help youth and adults alike with financial literacy and bring them towards the path of financial independence.
Before we finish, we want to invite you to join our email list. We sincerely hope you’ll support us in our endeavors as we try to grow this community.
See you on the inside!