Starting out

and how to get to where a am now, part one.

It began with a mental decision, “I don’t want to live in eternal debt for the rest of my life.” This idea came from watching most of my friends frivouslly spend their student loans on alcohol, trips, clothes, eating out and other non-essentiall trivialities. At the end of the month before the next payment was in they where always going on about how broke and poor they where, but once again when the next loan arrived out and away it too went. I was in the same situation with these groups of friends and was spending my money the same way. One day after much contemplating I took a stand. I was going to start savnig up enough money so I could be free for a couple of months and not need to strees for the next loan to arrive.

I started using my normal bank’s savings account. It had an interest of 0.7% when I first started using it. This quickly dropped down to 0% within just a few months. Eventually i started looking for another bank account with a greater interest rate. i found one with 2.5% that was governmentally insured incase the bank lost all its money I would recieve a compensation for up to a certain amount (way above what I was investing). There it sat for several years untill due 1.5 years ago when I got a notification saying that the interest for this bank account was also at 0.5% lower then my initial bank account.

I took a look at the amount of money i had saved up, and compared it to the interest rate on my school loan and realized my percentage rate of return was lower than the interest on my loan! Here is where I took the next step to learning more about private economy, investing ideas, and passive incomes. I will continue to discuss these in future posts.

best regards,


From Student Loans to Bullions

I am starting this blog to document my “road to riches” with the hopes of following the struggle an individual takes reaching for financial independency and security with the goal of being able to live of my passive income as it steadily continues to grows.

Through this blog I hope to inspire any and all to reach for their own financial independence and that it doesn’t mean you have to give up any quality of life. I hope that my own experiences will give anyone with the will and determination the tools to take control of their own fiscal situation in this world of uncertainty. Though it may be some time between updates at this blog I’ll try my absolute best to stay true to my followers and my own strategies for a more secure future.

Best regards,