The Time and Money Group was founded as a vehicle that its founder, me, could use to share my travels along the treacherous pathway to financial freedom. Unfortunately my journey has not been a rapid one. My achievement has taken nearly 20 years. That included a couple of unsuccessful entrepreneurial ventures and a substantial stock portfolio loss during the internet bubble years. I believed, like most, the generally accepted perception of financial freedom. That being that it is a life of leisure supported by a couple of million dollars in the bank. In retrospect, I was financially free in 2000, but didn't realize it because of that warped definition. As the stock market losses pile up, I continued taking unnecessary risks. By the end of that year, my portfolio was nearly wiped out. My dream had been deferred once again.

It would be several years later and a major shift in thinking before the goal would be resurrected. My major epiphany was realizing that financially free people simply think differently than the masses. Financial freedom doesn't require millions of dollars. As long as you have enough to cover your yearly expenses and a method to replenish your coffers, you are there. That sounds sort of like a job. However, even using that as a definition only a few working people would meet the criteria. Most need a job and a couple credit cards to make ends meet.