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

See what I own

The two sides of my strategy.

Increasing Dividend Stocks

The long-term, income-producing side — companies with a history of raising their dividends.

See How I Invest

Crypto: What I Own & Why

The higher-risk, higher-upside side — XRP, STX and BTC, and why I hold each one.

Why I Hold It

Personal opinion, not financial advice

Everything on this page 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.