Hi there, my name is Paul Andrews.
I was raised in a generation that gives first place participation trophy’s, celebrates moving from 3rd to 4th grade, and thinks it’s a big deal when you finally shit where you’re supposed to. And as such, I have this crazy notion that as demographics change, so should our expectations around what “life” should entail. Here’s what I want out of my life:
-Trips to Europe, at least
once a year twice a year whenever the hell I want.
-A job that doesn’t require me to something I hate with most of my time.
-Not waiting for 40 years to finally “retire” with money that’ll be eaten by inflation, so I can afford a $30,000 trailer and play at a shitty golf course in
God’s waiting room Florida.
-The ability to spend any amount of time with who I want, when I want, how I want.
-The ability to cook anything I want and the metabolism to eat it.
-Volunteer my skills/time to a cause I believe in instead of lending my skills/time to make someone else richer.
-Have a cool hobby, like painting model cars, making birdhouses, or crocheting.
-Enough time to make jokes about hobbies that are obviously not cool.
You all see the point.
Why this blog?
This site is dedicated to “cracking the code” on living a rich life. Surely, there must be a way for us all to have the resources to do pretty much whatever we want, whenever we want. I’ll be taking you through what it takes to become financially secure, to allow you the time and resources to do the things that you’ve always wanted to do but couldn’t (like finding the time to make those birdhouses).
I refuse to subscribe to the “deferred-life” mentality. I’m not going to wait 40 years to have my body start breaking down to start really living. I don’t think anyone should wait for retirement to start living, and I want to share out how to do the “impossible” (once I’ve cracked the code).
I refuse to believe that “working hard” is enough anymore. There are millions (billions?) of people in this world that work hard for a $1.00 a day. “Working hard” is simply not a competitive advantage. Working smart is the mantra of the 21st century, and the sooner we get away from the “just work hard at the same company for 40 years, and you too can have a 3-bed 2 bath, white picket fence house with 2.2 kids and a respectable but not incredible 401(k)” mentality, the better.
I refuse to believe that personal finance has to be boring. I’m going to level with you all for a minute. You ready?…
I like money.
But I don’t think that talking about it should put anyone to sleep. And if you’ve ever sat down with an experienced financial advisor or banker, they can put you to sleep faster than a gallon of nyquil and a punch to the face. The goal of this site is not only to educate, but to entertain at the same time, with the hope that something sticks.
At the ripe old age of 25 (there, now you know), you might wonder why the hell you should listen to a young whipper-snapper like me? Well, instead of posting my resume, here’s what you need to know:
-Since I was 16 my father has been preaching financial literacy lessons to me. Seriously. While other kids were driving around town, hanging with friends, getting food and going to the beach… well, I was doing the exact same thing, but with a copy of “The Richest Man in Bablyon” and “The Wealthy Barber” in my glovebox. Other kids got storytime at night; I got SEC filings to read. Other kids got the talk about the birds and the bees; I got the talk about index funds and fees. Other kids dreamed about being the next Michael Jordan, Kobe Bryant, Steph Curry: I dreamed about being the next Warren Buffet.
And while I’m sure my father wasn’t the only one trying to instill a sense of financial literacy in his kiddos, he’s the only one I know who retired at 46. #goalz
-I was so obsessed with finance that I decided to make it my major in college. And while this site won’t be dedicated to the Black-Scholes Pricing Model for options or the pro’s and con’s of the Capital Asset Pricing Model, my degree does give me insight into what makes smart/dumb investments.
-I have this absolute driving need to share as much finance information with those around me as possible. When someone says something like “I don’t get retirement accounts” or “oh yeah, taxes scare me”, I take it as a personal invitation to help them. And after the poor patron at Starbucks or the cashier at Old Navy stops looking at me like I have five heads, they eventually let me give my schpiel. I can’t count the number of people I’ve helped set up Roth IRA’s, explained dollar cost averaging, or even explained what a stock is. This is what I do for everyone I know, and now I want to help you, dear reader.
Simple: Millennials are graduating with more college debt than ever before. There amount of college loans in the US is over one trillion dollars. And seeing as most High school financial literacy curriculums involve “learning to write a check” or “what’s the difference between credit cards and debit cards”, I think that there are a lot of young people entering the workforce that don’t know jack shit (through NO fault of their own) about what to do with the money they earn or how to go about making and keeping more of it. So I’m here to save as much of the day as I can, one sarcasm-ridden blog post at at time.
Thanks for dropping by. Comments/feedback/discussion/taunting is always welcome, so please comment!
And as I’ll always wish you: Keep trying to crack the code,