About JD (and Wealth, Not Retirement)

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My goal with Wealth, Not Retirement is to encourage you think differently about life and money.

I am a serial entrepreneur. Lots of failures, but enough successes to be a small-time multi-millionaire. I am the text-book definition of The Millionaire Next Door (and many of my neighbors are the text-book opposite — but that’s a story for a later time).

I did not come from money. I grew up poor to lower middle class. My father died of cancer a few years ago just shy of 70. He was still working full time, and he had a net worth of only $150,000 at death. I did not get tons of financial advice from my Dad, but he taught me how to work hard. He could outwork anyone. And he taught me to spend less than I made… although I’m not sure he always did that. Strong work ethic can help you attain most anything though, if you put the work into the right plan.

It took me many years of entrepreneurial ups-and-downs to become financially successful. I do not necessarily recommend my path to success. It’s definitely not for everyone. It’s only in the last few years or so that I have started to acquire wealth. For many years I barely made enough to keep going. This blog/site was birthed from what I’ve learned about money in recent years and what I learned about entrepreneurship the last 30 years.

The phrase “wealth, not retirement” is something I came up that (hopefully) is a different way to look at money… especially saving money. It hit me that maybe more people, especially younger people, would save and manage money differently if they looked at it as “building wealth”… not the boring concept of “saving for retirement”. When you’re 25, 65 is a looooong ways away. But “wealth” can be a goal for any age.

This blog will attempt to show you some different ways to look at money and “build wealth”. It is not a “get rich quick” scheme. It’s a “get rich slowly” scheme. It’s not about stock picking. There will be no stock tips. It’s much more common sense advice that will help YOU make YOUR OWN investment choices and build YOUR OWN wealth plan.

When you read these articles, I trust you will see me as a kind, helpful, soul, trying to give you advice that I have lived, in an entertaining manner. “Life is hard. It’s even harder when your stupid.” is a phrase attributed to John Wayne. Snopes says the quote was not from John Wayne. Either way, it’s a great quote. Let’s make it our goal, every day, to be less stupid than the day before. Knowledge is power. Let’s go!

JD

I blog about money, financial independence, life, and entrepreneurship. I got rich slowly (over 20+ years) with a niche software business. I also failed at a number of other things (and mild success with a few others). I share what I did right along the way, and a lot of what I did wrong, with a goal to encourage you think differently about life and money.

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