I wrote up this outline to help some friends with their personal finances over FOUR YEARS before I started the Personal Finance Club instagram account (and of course all the other resulting content, website, etc). We jokingly called it “Personal Finance Club” because we would hang out, have a beer, and go over the outline I had prepared.

It’s crazy how simple it is. You can see the same things I was talking about back then is what I’m talking about now. It’s also crazy that it WORKS! My friend who has saved these notes for the last ten years QUIT HER JOB last year and is officially financially independent. She can live off of 4% (a commonly accepted “safe withdrawal rate”) of her investments indefinitely.

There’s no secrets. There’s no get rich quick. There’s no stock picking or market timing. There’s just some best practices and staying the course over time!

As always, reminding you to build wealth by following the two PFC rules: 1.) Live below your means and 2.) Invest early and often.

-Jeremy