Yup, that’s me with Little L.

My Financial Dashboard

My Credit
Net worth

Consumer/Credit Card
Debt Held

Streams of

# of Books Read
(Personal Finance/Investing)

Gratitude For My
God Given Blessings

Hi, my name is Michael.

Thanks for coming to check out my little corner of the web.  🙂

Why I Created This Site

We live in the most incredible time in history when it’s never been easier to create a life of abundance and wealth!  I’m here to share, learn, inspire, and encourage you to pursue the life of abundance you deserve.

Quick Background

I am privileged to have taken an “early retirement” in 2012, at age 36.  I use the term “early retirement” loosely, because now that I don’t need to work a corporate job, I tend to work even more!  But, at least it’s work of my choosing and on my own terms – I am a stay at home father, blogger, and investor.

Want to Know More?

I’m originally from the Los Angeles area, but now call sunny San Diego my home.

I co-founded an I.T. support company when I was 25 years old and wore many hats, including CFO and President.  We had humble beginnings but managed to build a profitable service company over 10 years.  We eventually expanded nationally before selling it to a larger service provider.  I spent a year and a half “transitioning”, but the 9-5 corporate job wasn’t my “cup of tea”.  I negotiated a generous severance package in 2013 and dove head first into early retirement!

Just so you know, early retirement isn’t all roses and sunshine… it certainly has challenges.  I will definitely discuss these in this blog.

I am a lifelong student, always seeking knowledge.  As an active investor, I am constantly looking for a better return while minimizing risk.  Real estate has been good to me and I continue to focus on single family homes and first position trust deeds.  I’m also bullish on P2P (peer-to-peer) lending.  I do offer limited coaching services which you can find out more about here.

I am happily married to my wife (Mrs. J) of 10+ years.  We actually met at University on a blind date (crazy, I know)!  She is an incredibly passionate Biology teacher and well loved by her students.  We have two wonderful children – Little K, our daughter, is quite outspoken and independent.  And, Little L, our son, is compassionate and fun-loving.


Finally, my purpose here is to help others to break free from the stress and anxiety of finances.  God has blessed me abundantly, and my goal is to be a good steward of his generosity and pay it forward.

My Money Story

I have been fascinated by money my whole life.  Not because I wanted to become rich and powerful, but because I wanted to know the true feeling of financial freedom and independence.  What does it feel like to live life completely on your own terms?

When I was 14 years old, I picked up the book, Unlimited Power, by Anthony Robbins.  It changed my life forever.  It taught me that we have the unique ability as humans to choose our perception of our environment, people around us, and events that happen to us.  And so I chose to live a life of abundance.

Our perceptions, positive or negative, are what shape the choices we make, and ultimately the quality of our lives.  Master your perceptions, and you can have virtually anything you want in life.  Find out for yourself WHY financial freedom is a MUST for you, and you WILL find a way to get there.

My FIRE (financial independence & early retirement) Number

Although I’ve taken an early retirement, my larger FI (financial independence) goal is to reach $10M.  The truth is I’m not completely sure how this will happen, but I have a funny feeling that I’ll figure it out.  Join me on my progress as I track my net worth monthly.

Don’t Forget

Finally, don’t forget that half of the fun is the journey itself!  It may take you some time to reach financial independence, but it doesn’t mean you can’t live life to the fullest along the way (even on a budget).  Never take for granted what you already have and make it a point to give back.

As long as you are living your life to your highest potential, with purpose, and gratitude – you are already wealthy.

Care to Subscribe?

62 Comments on “About Me”

  1. Wow, Michael, this is an amazing story! I had actually been meaning to check out some of Tony Robbins’ books; it sounds like I should push Unlimited Power to the top of my to-read queue!

    1. Thanks Sarah! Yeah, I think you’ll love the book. I’m actually attending a live TR event in a week, so I’m pretty excited about that. 🙂

  2. Glad to have stumbled on your site. Great life story too. I always enjoy reading about other people’s entrepreneurial spirit. I totally understand about the 9 – 5 corporate culture not being your cup of tea. Look forward to reading about your various income streams as well.

    1. Thanks for stopping by DH! I’ll definitely have to write up more specifics on the different income streams. You’ll have to show me the ropes to improving my dividend income. 🙂

  3. Pretty cool story that leads up to early retirement (or early “retirement” as some would say). I find myself keeping pretty busy with fun projects in early retirement, too. Though it never feels like work when it’s completely optional and on your terms.

    1. Thanks for stopping by Justin! I love your FIRE story. 🙂

      I agree with you 100%. The best part of “working” on projects during early retirement is doing things completely on your own terms/optional.

  4. Michael- Great story! I love that you include your purpose and number of books read in here. Having a purpose/passion makes working a lot more fun and less of another four letter word. The book counter is great because it shows the importance of continuous learning even when you’ve made it. Congrats!

    1. Excellent observation Nick! The collective knowledge in those books is where my true wealth lies. Without a purpose, money is meaningless. I’ve had the benefit of learning this from the great masters before me so I didn’t need to learn it the hard way. 🙂

  5. Michael- It was great to meet you at Date with Destiny! What a great story you have – such an inspiration! We have been doing real estate investing for many years now and still learned some great things from you! Thank you!

    1. Nicole, it was so awesome to meet you and David! I really appreciate the rides to DWD those mornings. 🙂

      We’ll definitely stay in touch. I know I can learn so much from you too.

      Did I mention that one of my 2016 goals I set at DWD is to purchase 3 more income properties? Not sure how I’m gonna pull that off yet, but it’s set in motion. 🙂

  6. Just found your blog now. You have an amazing story! I wish you all the best in reaching your 10M goal. I am curious to see how you will figure it out along the way.
    The don’t forget section is by far the most important. we try to live like that.

  7. Michael, great history, congrats for all and tanks for the inspiration, i ll keep folie your blog certainly!!!

  8. You’re my new inspiration. With what you have accomplished at your age is amazing and I love your outlook on life. I think it’s amazing. I hope to be where your at someday and time!

  9. Getting into ‘early retirement’ on a severance package, that is a good story!
    I agree with you that there’s something more than money to life, but you have to find your why. We have similar purposes, even though you phrase it much nicer than I could, and I feel like this whole FI journey is just part of Life’s Game.
    Your current net worth would suggest that you’ll get to 10M$ one day or the other: do you have a specific date ? 😉

    1. Great question, Nick! My target date for the $10M is by the time I’m 50. That places the target 11 years out. 🙂 I’ve got some work to do on this one…heh.

  10. Michael – very interesting story. You clearly know the value of hard work and I can learn a lot from you. I’ll be following your site. I am interested in the possibility of leaving the corporate world one day in order to spend more time with my family. But I also want to stay busy and continue to work hard at something I can pass along to my many sons. Maybe I’ll put a post up about it one day. Cheers!

    1. Thanks for reading, Jesse. It’s great that you’ve identified your dream to leave the corporate world. Far many others simply never give it a consideration. You should definitely blog about it! 🙂

  11. Hey Michael congrats on the big step to semi retire. Looking forward to reading some of your daily challenges with having so much time and where the journey takes you. Good luck.

    1. Thanks, El! It’s wonderful to pursue so many interests at once now. The biggest challenge is being able to focus without getting spread too thin. I do enjoy the variety however. 🙂

  12. Hey Michael, I’m glad I found this blog. I starting working towards Financial Freedom this month actually. Since then I’ve been taking numerous blog more seriously. I realize I just cannot stay at corporate job forever, so I hope I can achieve FI by 35 as well (in ~1880 days to be exact). Hope to learn lots from your blog

  13. really like your story and love your philosophy about money. it’s totally true. FI is a means not an end. it frees our mind and our time to accomplish greater good 😉 would like to invite you for a guest post to my blog drwisemoney.com! thx for considering my request.

    1. Hi Dr. Wise Money! Thanks for stopping by. I’d love to take part in a guest post one day. 🙂 That’s so cool that your Mom is an author to so many cookbooks. You must have eaten well growing up!

  14. Love the blog, glad I stumbled onto it from Rockstar Finance’s blogroll.

    We are close in age and long-term goal and at ~ the same point in our journeys right now. I look forward to following along and seeing you make it to the goal!

    1. Nice to meet you, HF! Yes, it looks like we’ve got a lot in common in more areas than one. Congrats on your recent and positive acceleration towards FI. 🙂

  15. How did we not connect via FINCON16- great story Michael, looking forward to getting caught up with your blog and happy to find u via Twitter.

  16. I stumbled on your blog after also starting retirement early. I turned 40 in April and realized after reading several of your pages that I had a similar thought process to you and saving patterns. Your words helped me understand what I was doing without knowing how to express them very well. I appreciate this because now I can teaxh my niece and nephew better.

    I am currently traveling the US in an RV and will be spending my winter in SoCal which is a lot better than the Pacific NW.

    Thank you

    1. I just spent 4 weeks going up CA, OR and WA and loved the PNW. It was so beautiful there and full of forests, mountains. We had a nice family trip In July. Enjoy your time in the RV seeing the country.

    2. JG, congrats on your own early retirement! I’m glad that some of my content is resonating well with you. 🙂

      That’s awesome that you’re traveling by RV. I have so many fond memories of traveling in an RV during long summer vacations when I was a child. Happy travels!!

  17. Hello Michael.
    You’re obviously doing great, congratulations! We share the same fascination for money and finance.
    By any chance, do you have Filipino blood in you (not sure if it’s polite to ask) ?

    1. Hi Menard, thanks for the comment. And no harm in asking. 🙂 I’m actually primarily of Chinese ancestry, however, there is some caucasian lineage mixed in there somewhere on my Mom’s side of the family. I have some Filipino friends that look more Chinese than I do, and I probably look more Filipino than they do… hehe.

  18. Hi Micheal,

    Thank you for sharing an inspirational story on your investment experiences. Your stories have alleviated my financial anxiety. Like you, my long term goal is to have a net worth of 5 million by next 10 yrs. I also failed badly on my first rental investment. I purchase the first house that require a lot of rehab. The expenses was double what I expected. I recently purchase a second rental investment and been having anxiety because I did not get any offer for two weeks. I have tried to research every information online about rental property and hoping that I would not fail the second time. Anyway, I am planning to reduce the price next week. I will have to remind myself to stay focus and be patient.

    1. Thanks for sharing your own story, Helen! Yes, rental property isn’t profitable by default, but given the proper conditions it can be unimaginably amazing. I hope you find some of those types of properties sooner than later… failing always gives its new distinctions, so just keep going. 🙂

      Have you read the book, Millionaire Real Estate Investor by Gary Keller? It’s a fabulous reference.

      Good luck with your marketing efforts!

  19. Hi, my name is Donna. I just found your blog and am definitely subscribing! I love that you shared how many books you have read and credit them as helping you in a big way along your financial journey.I wondered if you might share your list of books read and or the books you might currently be reading. Inquiring minds want to know.

  20. Michael, I loved how you mentioned that you wanted to feel “true feelings of finance freedom and independence” Most of the time we are chasing money goals without knowing why, but having that mental clarity allows us to build a system and process on top of it. Which you did, and therefore were able to retire. Thank you for sharing your story with us!! Inspired…

  21. Hi Michael, I recently created a new passive income website.
    I have admired your site and content and would appreciate any feedback. Your site inspired me to create my own. Thanks, TJ Mitch

    1. Thank for the comment, TJ. I like your story and project passive income chart. Seems like you’ve got a decent amount of diversified assets as a base to grow from. Keep on writing!

  22. Hi Michael, congratulations on your site and success. It seems like you are truly enjoying life to the fullest and I think that is what it is all about. I am getting started with my own site and in the accumulation stage. Do you ever miss the journey now that you have “won the game”. Obviously your goal was not to be as rich as possible but rather to enjoy life. I feel like so many people in the FIRE movement are so hardcore for many years I wonder how they convert to a extremely different lifestyle. I enjoy your site thanks for sharing.

    1. Thanks Josh, for the comment and thoughtful question. There are certainly elements about owning my business that I miss, but for the most part I’m completely happy with my decision. I try not to think that I’ve “won the game”, but rather that I’ve “won the level”. This allows me to celebrate that accomplishment, but still move forward to reach for additional goals. A compelling future is needed to create excitement and happiness. This, I am leveling up in all areas of my life, including health, relationships, and financial (hence my $10M goal).

      1. I like the way you think! I think you are smart to continue to work towards new goals if we don’t continue to challenge ourselves I think life becomes unfulfilling. Best of luck in this next stage of your life.

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