About Us

I’ll admit it, in my 20s I only worked so I can have money to spend. I was not financially responsible and never planned how I would save. I didn’t even contribute to a company 401k , open an IRA, or even an investment account till after 30. Everything started to change slowly after I met my wife. Suddenly I started caring about tomorrow and found new reasons to plan.

As a new father in 2016 (a year with Hilary vs Trump, gas and mortgage rates at record lows, rent prices at record highs, interest rates arguably negative when factoring in inflation, and stocks priced with a new set of fundamentals), I’ve realized I need to be prepared for what’s in store for the next 20 years for my family.

Today (in 2016), my wife and I are in our mid-30s with a beautiful new baby boy. I work in the financial sector and my wife is a full-time stay at home mom. It’s only been a few years since we started saving for retirement and getting serious about investing. I’m getting a masters degree part-time and she is considering going back to school as well.

♦ Housing: We rent a 2-bedroom apartment in NYC (roughly $3k)

♦ Income: Our main source of income is only my 9-5 job

♦ Personal Goals: To (1) create a balanced portfolio generating passive streams of monthly income and (2) automate savings for retirement, college, and real estate early on so I can spend more time with my family and be there for the important events while my kids grow up.

My Investment Philosophy

Every dollar I make excluding expenses are put towards the following:

Cash Flow Investments: long term passive streams of income generating investments

Capital Gains Investment: accumulating wealth through institutional accounts or assets I can sell for profit

Cash: keeping a healthy pile of cash for when opportunity comes along.

I believe in having a balance between investments that appreciate in value as well as produce cash flow. The reasoning behind this is to be able to win in any cyclical economic environment. I also believe in luck. It’s important for me to always have cash for when opportunities present themselves. This can happen from just being in the right place at the right time or from market downturns.

About the site

I’ll be seeking new investment opportunities with the intent to create multiple revenue streams of passive income. While researching how I should invest as a new parent, I found the theoretical teachings useless and needed to see and learn from actual experiences and use cases. To go one-step further, with a risk tolerance level of a new parent. My journey from today is what I hope to share to all new parents out there.