ABOUT



Hello!  My name is Chester and I am a 36-year-old health care professional.  We are a family of 3 (with a 4th joining us later this year!) living on a middle class income in the high cost of living area of Southern California.  It’s not easy to make it in an area of high costs but we do everything we can to financially thrive.
My wife and I are on a mission to relentlessly improve every aspect of our finances and lives. We are constantly reading and learning how to apply different financial techniques to our life. Our goal is to reach financial freedom as fast as possible.  This is the point where our investments cover all of our living expenses and working for money becomes completely optional.
We're mainly focusing on 3 things: earning more, spending less, and investing the difference.
When it comes to our finances, there is constant room for improvement.  I love my career, but I'm not sure that I want to work full time beyond the age of 45.  Reaching financial freedom gives us the option to do whatever we want with our lives, and not dependent on a regular paycheck.  We used to live a paycheck-to-paycheck lifestyle and have now gotten off the hamster wheel.  After some attitude adjustments about our concepts of money, we've realized that we are completely satisfied with everything that we own.  We've decided that we are done being mindless consumers. 
Our mission is to relentlessly save, invest, and have fun doing it.  While we are planning for tomorrow, we are definitely trying to live for today.  Striving for financial freedom doesn’t mean that we need to be cheap misers.  We’ve learned to be much more intentional with our financial decisions. 
Being able to travel the world is important to us and we love to travel hack.  I love learning about credit cards deals and sharing the information.  We have earned and redeemed over 1 million credit card miles and points.  In our free time, we love to travel.  We go on quick weekend getaways and longer international trips using our hard earned points and miles.  We haven’t paid for a flight since 2012!  We’ve even been lucky enough to travel on Cathay Pacific First Class as a couple and Singapore Airlines Business Class as a family.  The more we can save on travel, the more we can invest in our future.  Let me share with you how to optimize your savings, spending, and investments.  Let me teach you how to earn and redeem credit card rewards for free cash back, airline flights, and hotel stays.    
When it comes to giving advice or suggestions, I don’t recommend any products that I would not personally use. 
My favorite resources
We track all of our spending with Mint and ClearCheckbook.  We track all of our investments with Personal Capital.
When I need motivation on how to live a frugal and purposeful life, I go to the Mr. Money Mustache blog.  I get my motivation through the psychology and research provided by James Clear.  When I need to learn more about travel hacking, I visit the Doctor of Credit and the Reddit churning subreddit.  When I need to stay financially motivated, I listen to the ChooseFi podcast.  For everything about investing, I go to Bogleheads message form where I learn everything I need to know about managing our investment portfolio. 
There are plenty of resources out there to help us on our journey towards financial freedom.
Join us on our journey!
I truly thank you all for your support and motivation to share my insights and progress with you.  Let’s relentlessly improve our finances together. 

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