Hello and thanks for checking out my blog! First off, I go by the moniker "Cubert". Early Retirement, powered by Financial Independence, also known as “FIRE” — that’s the real premise of this blog. My career in technology has had its ups and downs, but for as long as I can remember, I’ve had a nagging itch to take on passion projects. Effectively, I just wanna be my own boss.

Today I am financially independent, I run a cool little company (PopUp Business School) with a team of 12, changing the way entrepreneurship is taught globally and I spend my time travelling around the world working with some of the coolest people. Life wasn't always this way! At school I was the shyest kid you could meet, I struggled talking to strangers, I was paralysed by fear approaching girls, making phone calls or anything else. My family went from wealthy to £millions in debt and we had to do car boot sales (yard sales) at the weekend to raise the money to buy food. So what changed? This is what I want to share with you and it is going to be in 3 main parts: entrepreneurship, financial independence, and making dreams come true.

Financial Samurai was founded in 2009 to help make sense of the chaos during the global financial crisis. Sam worked in investment banking from 1999 - 2012, got his MBA, and finally decided to engineer his layoff in 2012 to be free.

I created this blog to enlighten, educate, and entertain fellow physicians and other people who may have similar circumstances (high-income, late start, educational debt, etc…). My aim is to help those who want to help themselves and share some unique insights from the perspective of a practicing physician. I hope to leave you informed and inspired to look at life a little differently than you might have before.

Joe started Retire by 40 in 2010 to figure out how to retire early. He spent 16 years working in computer design and enjoyed the technical work immensely. However, the job became too stressful and Joe retired from his engineering career to become a stay-at-home dad/blogger at 38. Today, he blogs about financial independence, early retirement, investing, and living a frugal lifestyle.

I’m a family guy living in Colorado with my wife and two young children. I studied biology and chemistry in college, but somehow turned into a software developer. From as far back as I can remember, I liked to save and earn money. My goal was to build a portfolio of $1,000,000 by February of 2017; 1500 days from the birth of this blog (January 1, 2013). And hey look, I’ve since retired!