I started this blog because I started saving for a condo down payment and was completely clueless as to the best method to invest and save my money in the short-term. Additionally, I started a second job as a self-employed contractor tutoring high school students and had no idea how to shelter this self-employed money from the government. I quickly discovered my local bank was unable to inform me adequately about a solo-401k, but they would open a solo-401k account with numerous fees. What a service! At that point I went to the internet and found numerous personal finance bloggers that were more informed on saving and investing.

It was at this point that I noticed all of my favorite blogs were run by older bloggers who already owned property, built up significant net worth and developed asset allocations. Sure, I can go and read through archives to discover all of this information that I am currently looking for. OR I can blog about it myself and help enlighten people in a similar situation, all while learning the art of Blogging.

I have read other personal finance blogs, investment websites and all related books from the library that I can get my hands on. This is the extent of my “expertise”. I am by no means qualified to give professional financial advice, however, I am constantly striving to learn and you can expect to read about anything financial that I learn or do on this blog.

I am 25 years old and unmarried. I graduated with a B.S. in an Engineering field from the prestigious east coast university known for its blackjack skills among other things. I work in the suburbs of a major Midwestern U.S. city for a newly public startup biomedical diagnostic company. Additionally, I am a self-employed contractor who tutors high school students in all levels of math and science.

As for my current financial situation, I paid off my student loans in February of 2007. I have no credit card debt as my parents drilled it into my head at an early age to always pay off my credit card in full every month. I just finished saving for my 20% condo down payment. I have no 401k or emergency cash fund. I’m halfway towards paying off my car, which I bought new and financed at 3.9%. I own a Target Retirement Fund in a small Roth IRA and I own Target stock that I received as a high school graduation gift from my Grandma.

It is at this point that I start-up my financial journey…


7 Responses to About

  1. msdebtfree says:

    Great blog. Great information! It’s really difficult to find personal finance information for young, single people. Keep up the great work.


  2. Al says:

    Here are some more books to add to your reading list. There is some overlap with books you’ve already read — so I think you’ll like these as well. Besides reading books on the “technical” aspects of investing and money management, be sure to include some on the psychological aspects — e.g., Irrational Exuberance. The field is called “behavioral finance.” For the full list, see

  3. Jerremy Morrison says:

    I have FINANCE WEBSITES & BLOGS with good PR & Visitors. Let’s do some unique FINANCE CONTENT EXCHANGE between us. It will be beneficial for both of our sites to get a better RANKING, PR & Visitors.

    Jerremy Morrison
    Dig Profile: http://digg.com/enlightened129

  4. Gloria Agnello says:


    My name is Gloria Agnello and I am the webmaster of some several finance sites. I came to know about your site: pfstartupblog.wordpress.com, through search engines while surfing. I found your site interesting as well as informative for my visitors.

    I am interested to exchange our visitors through doing guest post/content exchange. It will be mutually beneficial for both of us as the uploading of fresh content will help both of our sites to have more number of Google indexed pages. It will gradually boost the ranking of our sites in search engines.

    Moreover, I can place your link within the content page of my websites.

    Waiting for a quick and positive reply.

    You can reach me at: gloria.agnello[at]gmail[.]com

  5. sravz says:

    Mega Powerstars ramcharans up coming telugu movie yevadu is goin top release on 25 th of this month

  6. sravz says:

    This movie is also dubbed in tamil and it is named as yaar ivan.mega power star ramcharan after his energetic movie Naayak which is a super hit block buster movie is coming in a new look and passion in this movie.

  7. sravz says:

    At the begining of this movie samtha as selected as lead heroine role but later they gave importance to gorgious shruthi hassan

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