On a path to broke, miserable and nearly dead…

I will attain Financial Independence. It won’t be today, tomorrow or even 5 years down the road. It will take time. It will take effort. It will take persistence. It will be a challenge like none I’ve ever faced before, and while I won’t be perfect at it, I know I will succeed.

My Time to FI is now.

I personally invite you to follow my journey.

I will be absolutely transparent with you, it will be truthful, perhaps painful, mixed with happiness and all of the emotions that go with transforming myself in order to realize financial independence. I need to wash away a lifetime of poor decision making, failing to believe in myself, embracing the worst in financial and personal health behaviors.


I want to do this with you. I want your encouragement and I want to show you that if a miserable slob like myself can reach Financial Independence then you can too.

I’m not ready to reveal myself. It’s the one thing I’d like to keep private, at least for now. As of writing this, and starting the Time to Fi website, I will admit I am the furthest from FI than I’ve ever been.

So, how did I get here?

It’s a long story, but then again, I’m sure it’s similar to millions of other individuals.

Let’s start with my bio.

I’m a guy who’s closer to 40 than 30. I live in the United States. I have a family, two daughters, one son, and a wife. I’ve been married for five years. I was married once before.

While I’ll be completely transparent in terms of how I got here, why I’m ready for a FI state of mind, my progress and results, when it comes to specifics like names, town I live in, where I work, and items like that, I’ll speak in general terms.

I started working early…too early and I’d never expect my kids to do what I was pushed to do. My dad, who I have a pretty good relationship with now, demanded I work full-time at an early age. In fact, he helped me forge information on a job application, and before I knew it I was trying to juggle school and work as a machinist. How I got hired still baffles me to this day, but I did.

My social security statement still shows my income from that job. I made a good deal of money for being 15. The job required you to be 18 as it was 40 hours a week and was the evening shift.

I decided that if I could make that money on my own I didn’t need my parents. I moved out on my sixteenth birthday. It was a long time before I saw my parents again. I had other reasons to leave, which are detailed here: The Long-term Financial Implications of Abusive Parents.

I knew nothing about money other than how to spend it. In fact, it’s taken me a couple of decades to realize why I have viewed money with such disregard.

I don’t blame anyone. I’ve learned much since then. I got a slow start and so be it. I know what I need to do. It starts with fixing myself. It starts with taking action.

The good news is I have no delinquent debt. I have made 100’s of credit card payments, utility payments, etc. on time, each and every time.

The bad news is I have debt. While I’ve never missed a payment, I am maxed out on my balances. I made a stupid mistake, got a debt consolidation loan and put myself right back into debt. I could kick my own ass if my knees bent that way.

The other bad news is I’ve just slid into a funk and stayed here for too long. I’m overweight, I smoke, I don’t exercise, I have no savings. I imagine, health-wise, that I feel like Morgan Spurlock did when he was at the end of his “Supersize Me” experiment. For those of you that don’t recall, Morgan Spurlock was the “Supersize Me” director who went on a thirty day fast food binge and recorded the results.

Really? Broke & Nearly Dead?

Yes, really! As of writing this first chapter of what will be my on-going story of recovery, triumph and conquering my poor financial and lifestyle choices, I have nothing saved and I physically feel like a dead man walking. Albeit, this zombie-like state is over, now. I have no desire to turn back, but I also know it won’t happen over night. The remedy I’ve chosen is to be accountable to myself, my family and to my readers. I have hope and I have the willpower to do what needs to be done. I’ve found my outlet and I’m sharing it with the world. This is just the beginning!

I’ll will pull through it and I will get to Financial Independence. I’ll do it early. I hope to motivate you to do it as well. As a society, we are addicted to work as well as instant gratification in many different forms and we pay for it dearly. Together, we can collectively beat the system. Too often we don’t give ourselves credit for the amazing things we can do. Let’s do this together.

I’ve witnessed countless bloggers make similar goals. I’ve also seen countless bloggers fade away. Either they lose interest in their initial endeavor or give in before they find success. I will not fade away, or abandon my goals, or give up, simply because I know, beyond a shadow of a doubt, that I will win. Some might say that starting the journey is a win in and of itself. I disagree, my win will come when I achieve financial independence. Anything short of that will be a failure on my part, and as cocky or arrogant as this might sound, failure is not an option and will not happen.