The information that follows applies to From Ramen to Riches: Building Wealth in Your 20s (“the book”) and this web site.


I am not a financial professional. I wish I could say something cool like, “I am not a financial professional, but I play one on TV.” Sadly, I haven’t seen any casting calls for leading roles as an accountant or financial planner. Besides, I can’t act.

I’m just a geek with a calculator who is passionate about personal finance. I started as a financially clueless 21-year old who made many mistakes with money. I slowly learned on my own how to save, manage, and invest. Now in our 50s, my wife and I are debt-free, own a house free and clear, and have built a retirement portfolio that will comfortably sustain us in the coming years.

The book and this web site are written from one consumer to another, discussing an approach to managing your money using commonly accepted rules of thumb. At times, I will offer opinions based on my experience managing my own money. You should accept or disregard those opinions as appropriate for your circumstances.

The book and this web site is for informational purposes only. The contents are not intended to be investment, legal, insurance, tax, or financial advice and should not be construed as such. I am not a financial professional and make no claims to be one. This material is not intended to replace the advice of a qualified professional, nor are the contents intended to cover every subject area available in a professional financial planning curriculum. The reader should seek the advice of a qualified professional as appropriate.

The contents of these publications (book and web site) are intended to help readers educate themselves about personal finance. While every effort has been made to assure accuracy as of date of publication, there is no guarantee explicit or implied.

Neither the author nor the publisher shall have any liability or responsibility with respect to any loss or damage caused, or alleged to be caused, directly or indirectly by the information contained in this book.

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