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LATE START EARNER: My Journey to Financial Independence

Hi there and welcome! I am writing this personal finance and lifestyle blog as a way to document my journey to financial independence and freedom, practice writing for a larger audience, and hopefully help and inspire others along the way.

What makes this blog different?

Personal finances is personal, and every single one of us has a unique story to tell. I would also go as far as to say that financial debt is emotional debt, and I sure was carrying around extra weight for more than a few years. I started this blog in January 2021 from the perspective of someone whose earned income leap-frogged 10x from an annual $20K graduate school stipend to a high income ($200K+) in my mid-thirties (hence, the "late start"). Like any human out there, I am not perfect: I've made my share of bad financial decisions and mistakes, and will certainly continue to do so. In this blog, I will share regular updates on my progress toward financial independence by reporting my net worth, micro day-to-day financial decisions, early retirement strategies, and more.


My goal is to reach financial independence sooner than later. However, unlike other FI or FIRE enthusiasts, I value a balanced approach and am not willing to live a life of intense stress over the next 10 years just to hit FI and collapse. I already went through a similar cycle of intense multi-year suffering and sacrifice in graduate school, am still emotionally recovering from it, and do not care to repeat the cycle. Instead, my goal is to craft the life I want to live and financially plan for the resources I need to sustain this life forever on my own terms.

Who is this blog for?

Anyone interested in another take on reaching financial independence: personal finance and financial independence enthusiasts, late start high earners (e.g. lawyers, doctors, post-graduates in industry), first-generation investors, first-time investors, and more.


Thank you for taking the time to visit. I wish you peace, happiness, and empowerment in your life and finances.


  • I am not a qualified licensed investment advisor or financial planner. I am an amateur investor.

  • All thoughts, opinions, and content shared and expressed on this website or in connection to Late Start Earner is solely based on my personal research and experiences and is for informational and entertainment purposes only and does not constitute financial, accounting, or legal advice.

  • Late Start Earner is a personal weblog. It reflects my own views, ideas and opinions. It is not a production of my employer, nor is it affiliated with any broker/dealer or registered investment advisor.

  • I will not and cannot be held liable for any actions you take as a result of anything you read here.

  • It is your responsibility to conduct your own due diligence, which may include consulting a licensed financial advisor or broker, tax, or legal advisor before making any and all investment decisions. Any investments, trades, speculations, or decisions made on the basis of any information found on this site, expressed or implied herein, are committed at your own risk, financial or otherwise.

  • No representations or warranties are made with respect to the accuracy or completeness of the content of this entire weblog, including any links to other sites. The links provided are maintained by their respective organizations and they are solely responsible for their content. All information presented here is provided 'as is', without warranty of any kind, expressed or implied.

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