About me

I work as a director at KPMG. I have a job because I want to not because I depend on it to pay the bills.

How I managed to become so financially independent? By understanding how money works. I figured out scientific rules of wealth creation and kept on applying them.

Through this blog, I intend to share everything I have learned with you so that you do not have to work as hard (and for as many years) as I did in order to understand the secrets of becoming rich and achieving financial independence.

Current financial situation

I have:

A diversified stock portfolio (mostly low-cost domestic and international ETFs). I hold these assets across my Roth IRA, 401k, SEP-IRA, and regular trading accounts.

I have exposure to real estate, across several different states in the country.

I have a sizable holding of Peer to Peer loans, across two different lending platforms.

I have a mortgage for my primary residence, 30 year fixed.

I have 2 car loans
Refinanced both of them with my local credit union soon after buying the cars. I had originally financed them with the manufacturer’s ‘preferred’ financial institutions because they gave me an incentive to do it via a discount on the car price.

I have 4 credit cards
1. My first credit card at the bank where I had my checking account, 2011
2. The credit union offered a 0.25% discount on my car loans if I took a credit card, 2013
3. I took the pre-screen offer that came by mail (the bonus to join and additional reward points made it worthwhile), 2015
4. I took the pre-screen offer that came by mail (the bonus to join and additional reward points made it worthwhile – they gave me $300 welcome offer to spend $1,000), 2015