I’m john whitford

Financial Independence Geek

Helping You Build Finances, Family, & Freedom

Start Hustling

Not sure how to increase your income quickly? Download my list of 73 side hustles you can do from home today!

Discover True Wealth.

It’s Not About The Money

It’s so easy to forget the true meaning of wealth. Getting out of debt… maxing your 401(k)… it’s not about your income. It’s about your influence…

Are you maximizing your potential right now?

Are you truly satisfied with your current job?

Does money talk stress you out?

Do you want more adventure in your life?

Goal Setting

With the right mindset and reasons, anyone can achieve FI

Family Focused

It’s not about being a millionaire… but being available and present for your loved ones

Increase Income

You can only save so much, but your income potential is unlimited

Optimized Investing

Picking stocks, trading options, I’ve tried it all. Learn what works and what doesn’t

What Is Financial Independence?

Financial Independence (FI) is when you no longer have to spend your time to earn your living. Your passive investments earn enough on their own to maintain your desired lifestyle.

It is freedom.

But don't you need to be 65+ to retire?

Heck no! Once you have hit your FI Number, you will have a sustainable money making machine. Regardless of your age, your assets should be able to sustain your lifestyle indefinitely!

What is my FI Number?

Calculate your desired annual expenses, and multiply that number by 25. When you have that much in your investments, you my friend are financially free!

So to sustain $50,000 per year, you would need 50,000 x 25 = $1,250,000 in investments. But there is a way to bring that number down even more!

Do I need to be an expert stock picker?

Oh gosh no. Trust me, I’ve tried. After trying almost every form of investing possible, I’ve realized my time is better spent creating more income streams, and passively investing using index funds. Simple wins, after all

But I only make $xxx per year! It's not possible!

The best part about financial independence is that it doesn’t take an extreme income to produce outstanding results. It’s all about your savings rate. 

And if you can only save 10% of your income, it will take you MUCH longer to achieve FI than if you could save 50% or more. Once you’ve cut out the easy ways of saving, it’s time to get into the side hustle game 🙂

About Me

Hey there! I’m John – a husband to an amazing wife, dad to 3 rambunctious kiddos, and a personal finance nut!

After graduating as a broke college kid, I hopped on the hamster wheel of corporate America, and started running.

After the honeymoon period of “The American Dream,” wore off, I started to look for the way out. 

After discovering FI, I started optimizing my life, and quickly grew to over $1,000,000 by age 30. I’m still on the grind to achieve FI, and am documenting the entire journey here.



Whether you’re just starting on your FI journey, or you are well on the path, my new book Roadmap will outline the entire path for you.

The Side Hustle Startup School

Sign up below to get a completely free training on the side hustles that I recommend for anyone pursuing financial independence!

30 Lessons from my 30 years

Reflection is a huge part of becoming successful. Read my latest reflection on financial lessons from my first 3 decades!

Need Guidance? Let’s Schedule a Time!

We are all starting from different points, but we have the same destination in sight.

If you’re looking for a little more help with your particular situation or you need someone to help you stay accountable, schedule 30 minutes to chat and let’s see if we can clarify your steps forward!

Don't Wait Any Longer. Start the FI Journey Today!