Build Something Better
Financial freedom matters more than looking wealthy.
The goal isn’t expensive things or trying to look rich. The goal is owning your time. This is what I personally do, own, research and believe — I’m still learning, and I’m sharing what I’ve learned so far.
The flow
How the pieces connect.
- Earn
- Save
- Invest
- Grow
- Produce Income
- Freedom
My basic approach
Simple, not exciting.
- Get out of unnecessary debt
- Live below your means
- Save and invest consistently
- Target investing approximately 20% of income when possible
- Build assets instead of liabilities
- Use increasing dividend stocks to build growing income
- Hold selected cryptocurrencies where I believe there is meaningful long-term utility and upside
- When appropriate, move portions of gains from higher-risk assets into income-producing assets
- Think in years and decades instead of days and weeks
Dividend investing
The income-producing side.
Companies with a history of raising what they pay shareholders. My goal is income that grows, so I don’t have to sell the investments to live.
Dividend Investing
EPD — Enterprise Products Partners
Champion · forward dividend yield 6.06%
Learn moreDividend Investing
VRTS — Virtus Investment Partners
Challenger · forward dividend yield 7.67%
Learn moreMy notes, current as of November 7, 2026. The full page has the yields, payout ratios and what each figure means.
Cryptocurrency
The higher-risk, higher-upside side.
I keep this concentrated: three cryptocurrencies, each held for a different reason.
Cryptocurrency
STX — Stacks
Higher-risk exposure to applications and functionality built around Bitcoin.
Learn moreRead
What I’ve written about it.
Money & Investing
The Future Can Win. Investors Can Still Lose.
What the dot-com crash can teach us about AI, retirement savings, dividend stocks, and crypto.
October 22, 2026 · 11 min read
Financial Independence
I Don't Want to Look Rich. I Want to Be Free.
A real look at how I'm thinking differently about money, life and what really matters.
October 4, 2026 · 5 min read
Personal opinion, not financial advice
Everything on these pages is my personal opinion and experience. It is not individualized investment, tax or financial advice. Investments can lose value, and cryptocurrency is particularly volatile. Do your own research and consider talking with a qualified professional before making decisions. See the income disclaimer.