My Story

Photo cred:Β Joseph Ng Chow

Photo cred: Joseph Ng Chow

This website is my thesis on living a free and inspired life, I hope you find a post that brings you value.

About Me

Hello!

I’m Benjamin - I'm a 30 year old working professional in Toronto, and I've been planning my retirement since I got my first job at 16. Ever since I was a kid, I've been very aware of my relationship with money. I never received an allowance growing up, I didn't come from money and I paid for my own education in full without assistance. Throughout 4 years of University and 2 years of Graduate School, I took on a massive student loan just like my fellow students, only, unlike other students, I invested all of it over the 6 years and paid the debt back in full the day after I graduated (avoiding interest payments!). I did this by hustling, working different jobs throughout school, and keeping a very close eye on my spending to help offset my cost of living. I made saving money a priority even back before I had a real job, and I automated the process - this is the key. A couple months after graduating debt free, I bought my first car in cash from my investment so I could start my first real job in the big city and I never looked back.

Financial Experience

To be honest I don't have a finance degree, in fact I don't think I've ever taken a class in personal finance. My experience comes from 15+ years of being a true practitioner with my own money. Managing it, investing it and growing it. I take no credit for the knowledge that I have - I am extremely grateful to have two loving parents who made investments their lifestyle. They too didn't come from money, nor did they have financial/business degrees, they were entirely self taught. Growing up in a household where saving and investing money was commonplace made for an interesting childhood. My parents basically saved their way into retirement, which meant somewhat of a frugal lifestyle for us - no traveling the world and no Nintendo. I grew up feeling on the poor side, which I attest now gives me the drive for success. Ever since I was a kid, I looked at every $10 birthday gift as having the earning potential to buy more in the future if I didn't spend it today. That mentality of delayed gratification stuck, and I believe its one of the reasons why investors are some of the most wealthy people on the planet. On my journey I've learned that money doesn't make you happy, it truly doesn't. True long term happiness comes from helping people, giving back to others, and following your passions. These are my personal motives for starting this website, to spread knowledge to those who didn't learn this kind of stuff from their parents, to help others achieve their financial goals, and to hopefully inspire them to do good with their new found wealth.

My Mission

I started this website for one very specific reason. As I go forth on my journey of personal finance, I find that I end up meeting other millennials who find themselves on a very different path, and not because of their choosing. Unpayable student loans, serious credit card debt, a 30 year real estate mortgage, and living paycheck to paycheck. I started this website to tell you that there's another way to live. That you can be free of all these money traps, and it's easier than you think to get there. You can live financially free, on your own terms, and all you need to do is educate yourself in personal finance - something that the system just doesn't teach our generation. I've combined all the knowledge, lessons and methods I've learned from successful investors, mentors and my own experiences so that I can refer people to specific posts and resources that I believe we all deserve to know.

Adulting is hard. I get it. Especially when nobody teaches you these money secrets.

I think everyone deserves to know the kind of stuff that wealthy people do with their money every day, so that you and your family can have freedom, financial security and live your life on your own terms.

Because we only have one life, and everyone deserves to live free.

Take control of your life - Get Started Here

 
Benjamin Garden
 
 
 

I'm literally documenting my journey on social media every day, and I love hearing from people who are living theirs, so say hi! πŸ˜„