Financial Independence

My journey towards financial independence began unexpectedly in my freshman year of college. A phone call when I was all of 18 informed me my father had been killed in a car accident one morning on his way to work. It was a horrible period that led me to reflect significantly on what I wanted out of life, and I concluded I did not want to spend the next 40 years grinding out a paycheck. I wanted to retire while I was still young enough to enjoy my retirement, but at least find the journey to be somewhat enjoyable.

Being quantitatively minded and loving to solve puzzles, I studied computer science and economics, eventually obtaining 4 degrees including a doctorate. My career has subsequently taken me through a variety of roles in trading, quantitative analysis, large capital project investments, risk management, derivatives pricing, and financial markets.

I’m now in the latter stages of my financial journey, but my academic and professional careers have left me with a passion for educating others. I would like to think that I have an aptitude for presenting simple explanations to very complicated topics.

Why does this site exist?

This is a site for people that want to think and to learn.

It is not a site where I will lecture about 12 steps of positive thinking that are sure to make you rich, or to motivate you, or to otherwise promise you an elevator to the top of the financially independent mountain. It is also not a site where I will regale you with anecdotes about what my pets did today, or what my vacation to Hawaii looked like, or any of the other topics that can be found on a great many other blogs.

This is a site where I will try to sit at the intersection of personal finance and macroeconomics. One needs some understanding of both disciplines to ensure a well prepared financial future. This is particularly relevant to the financial independence, retire early (FIRE) movement. Aggressive saving is a wonderful start, but my intention on this site is to throw some additional insights that people desiring a youthful retirement should duly consider.

My intention in my writing is to provide very numerically explicit, well supported arguments about financial issues. Some of these topics might seem rather advanced or esoteric to some readers. My hope and my mission is to democratize economics so that anyone that wants to understand economics and how it impacts them can do so. I would please encourage anyone who has the faintest question about any material to reach out to me, either by the comments on each post or directly.

How is the site structured?

There are four major categories for this site, all interrelated.


Contains posts related to economic philosophy, general market trends, the state of the bond markets and any other purely market or economic related topics. Unless otherwise noted, everything here is my own research and may be of interest to economists, statisticians, traders, and anyone wanting additional insight into the markets.

This is the more advanced content on the site, it is my hope that anyone with an interest in FIRE or personal finance will eventually become at home in this material, as I cannot understate how important I believe a solid foundation in risk management is to anyone looking to retire early.


Contains posts related to saving money, side hustles (such as retail arbitrage), and other personal finance related decisions.

This might contain links to more detailed coverages in the other sections of the blogs, but the overall intention is to present overall lifetime financial theory.


Over my career, I learned a lot of completely useless academic garbage, but I did not know it was useless at the time. The goal of these posts is to present quantitative ideas simply and easily, and to give readers an intuitive understanding of them. Please note it is not the intention to give a full textbook explanation of these topics and formal mathematics are avoided.

I will focus only on concepts that I have found to be useful and will explicitly relate why they are important. Anyone wishing to understand quantitative methods more fully (beyond FIRE-types), or anyone looking to enrich their quantitative skills may enjoy this section.

Examples of what you might find in this section are: why is diversification important and how does it work? How do I calculate bond duration and why should I care? What are probability distributions and how do I use them?


Things with statistics that don’t fit into the rest of the site. Predominantly this includes topics on economic history and college football. Browse and enjoy anything that catches your eye.

Who should be reading this site?

Anyone that wants to understand economics, learn quantitative techniques, and enjoys saving money. I hope you will find it useful.

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