I have seen preventable money problems hurt career progression, kill close relationships, restrict freedom and reduce wellbeing.

After more research, I found that money was the #1 source of stress in the U.S and Canada. Money stress exceeds health-related stress, job stress, and relationship stress. Surveys show that 59% of Americans and 53% of Canadians live paycheck to paycheck.

Most of us did not learn about money in school. Plus our culture incentivizes spending, leading to many broke people who live extravagant lives. Social media amplifies this groupthink, urging us to keep up with our friends.

An absence of financial education combined with a social media-fueled comparative consumer culture is an explosive combination. 

I BelIEve

I believe you can engineer a wealthy life by understanding a few core concepts, building solid habits, and applying self-discipline.

The technical parts of personal finance are simple. They are only 15% of the challenge: control expenses, pay down debt, build an emergency fund and invest in low-cost index funds

The remaining 85% boils down to your behavior. This is the hard part. Personal finance is much more than growing net worth. It’s about growing the habits to earn, spend, and invest in a way that maximizes wellbeing.

We live in the most prosperous times in human history. Income per capita has never been higher, and quality information has never been more accessible.

Although there are obstacles, I believe everyone has the power to live a wealthy life. 

About Me

Hi. I’m Jake. I write this blog.

I’m a frugal 29-year-old Canadian. I love squeezing the most out of my time and money.  I invest over 50% of my income while maintaining a lifestyle that I consider to be full of wealth. I’ve been DIY investing for the past 6 years, and I take great pride in my 12 year old civic.

I love fitness. I’m a powerlifter in the winter and a cyclist in the summer. It is an admittedly odd combo, and I love it.

I have a full-time job managing aircraft maintenance. I am always learning about human behavior to become a better leader. It’s fascinating. These lessons naturally spill over into personal finance.

You won’t find content on my blog that I do not embrace personally. Enjoy.

Education: How It Applies

Here is my educational background, listed in order of importance in terms of how the education applies to this blog:

  • Experience: I’ve learned about human behavior over the last 5 years of leading people in my full-time job.  My own investing mistakes have taught me (painful) lessons.
  • Engineering Physics Degree: Influenced my approach to solving problems and gave me a knack for independent thought. I learned how a few core concepts can be applied to an infinite number of unique situations. This is powerful, as personal finance is…. personal.
  • Books: Non-fiction books permit a deeper understanding of topics and provide different perspectives.
  • MBA. Improved understanding of businesses and economics.
  • Accredited Financial Counselor Canada (AFCC): Helps with coaching, an understanding of human behavior, debit and credit. I don’t hold the AFCC yet – it is in progress.