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An Introduction

Two years ago,  I knew almost nothing about my cash.  I didn’t know exactly how much I was making, I didn’t know where it was going, and I didn’t know what I should be doing with it.  I figured that if I followed the rules passed down to me from generations of hardworking people, I couldn’t go wrong.  Those rule went as follows.

  • Don’t live beyond your means (don’t buy a Maserati at age 25)
  • Cook most of your own food most of the time (Don’t eat at Applebees everyday)
  • Go to work everyday and try your best (no facebook at work!)
  • Don’t go into debt (credit cards are dangerous…)
  • And that’s it, the rest will take care of itself (Not everyone needs to be a financial planner)

It sounds ludicrous that an “educated” individual could know so little about his cash, but what’s truly ludicrous is that those 5 bullet points probably put me in better shape than the average 22 year old.  Assuming you have a good job, following those rules will probably keep you out of poverty, and provide for a fine financial life.  What I have realized since then, is that I have a chance to live a life on my own terms free from the burden of money.  Cash should not just be managed, blown, or dealt with, instead it should be grown and nurtured to yield a sustainable income stream for the future.

When I ask smart people how they spend their money, how much they save, and why, I get a lot of inconsistent answers.  I used to think that grown-ups understood some secret money principle that I didn’t understand, but now I see that even intelligent individuals do a lot of crazy shit with their cash.  Being ignorant about your cash is not a great excuse for flushing it down the toilet.  That’s why I am rejecting the “conventional wisdom” most people spew.  Instead I’ll take the rebel-path, and find out for myself.

By cutting out all forms of financial waste, increasing my income,  and by making smarter long term choices, I will attempt to avoid some of the financial pitfalls that befall most Americans.  I’m not saying that I’m smarter or luckier than most people.  I just think that most people don’t have a plan on paper to become financially independent, so why not give it a shot?  At the end of the day, you miss 100% of the shots you don’t take, and I think most people never even consider taking this shot.

This blog is meant to chronicle my journey towards financial intelligence.  I’m not saying it will be easy, but I believe that using my cash responsibly is a worthwhile pursuit.    I will take nothing for granted, and attempt to explain the inner workings of everything I do with my cash.  I will share what I have learned since my fateful first day of earning a salary, as well as what I learn along the way.  Join me in my quest to put my financial house in order, and join the cash rebellion.

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