Joel and his wife were barreling down the wrong financial path—saving nothing and spending more than $100,000 every year.

A freak car accident changed the direction of their lives by causing them to re-evaluate what was truly important to them. In five short years, they went from a negative savings rate to saving 85 percent of their income, allowing Joel to quit a job that was making him miserable.

They did this by making regular changes to their spending and cutting out the things that weren’t actually making them happy— alongside shedding poor investments they had previously accumulated and sticking to a strategy of simple, long-term index-fund investing.

This episode is for anyone who earns an upper-median income yet feels stuck and unable to get ahead. Joel will show you how to make the tough changes that will ultimately lead to more happiness, more freedom, and a stronger financial position.

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Podcast Sponsor

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In This Episode We Cover:

  • What Joel’s life was like before he focused on financial freedom
  • Having an expensive lifestyle as the norm
  • The logic behind high expenditures
  • Why the 180-degree shift to financial independence?
  • The first steps they took
  • The value of cooking good food
  • Cutting out unnecessary expenses while optimizing needs
  • Buying the worst mortgage property
  • Their crazy real estate investment experience
  • The tenant from hell
  • What they did to increase income
  • How Joel finally decided to quit his job
  • Their FI number
  • And SO much more!

Links from the Show

Books Mentioned in this Show

Tweetable Topics:

  • “Things get stressful when you have an unsustainable lifestyle.” (Tweet This!)
  • “The key to financial independence is to know what is your ‘enough’.” (Tweet This!)
  • “Money shouldn’t be the only deciding factor when deciding for a job.” (Tweet This!)
  • “Your worst case scenario is everybody else’s everyday life.” (Tweet This!)

Connect with Joel





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What ya think ? We are Gonna use this moving forward #branding #imdifferent #philly #phillyrealestate #wholesaler




Another Satisfied Homeowner! PENDING ~ We really LOVE this project – Stone & Aesthetics (They don’t make them like they used to) and happy to share with a new homeowner. All the best.

Keep on ~ keeping on #buildopportunities #buildinganempire

1623 Mayland St ~ Frank Buys Philly | Building Opportunities

Share This Property Retail FlipSingle Family – FlipSales Price | Appraised Value$125,000.00Location1623 E MAYLAND STPhiladelphiaPennsylvaniaUnited States19138Building Size1,360Square feetStatusFor Sale Maps1623 Mayland StBefore Pictures Request Property Information Your Name (required) Your Email (r…


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2546 Jasper St. ~ Frank Buys Philly | Building Opportunities

Share This Property Retail FlipSingle Family – FlipSales Price | Appraised Value$239,000.00Location2546 Jasper St19125Building Size800Square feetStatusFor Sale Bed Room2 Bed RoomBath Room1 Bath RoomYardSmall YardAir ConditionerCentral Air Conditioner Maps2546 Jasper St. Request Property Information….


(South Phila. Rehab) Frank Buys Philly | Building Opportunities

South Phila. Rehab ~ Frank Buys Philly | Building Opportunities

Demo complete on next flip project #phillyrealestate #southphilly #flipper #buildinganempire  


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(Are you Driven? Employment opportunity) Looking to hire a full time acquisitions person for my wholesaling company . You will Get a Base salary and commissions . Right person can and should make at least $80k year one and $100k+ year 2. Person MUST have sales experience , be driven , have book and street smarts , know how to effectively communicate with people from all walks of life , have the desire to be great , can think on their feet, have the ability to work as part of a team by also not have to be micro-managed. This is a great opportunity for the right person . I am only looking for A players . People that are really good at everything above and have the desire to be great . Inbox for more info . If you don’t check all these boxes, please don’t contact me .

Are you Driven? Employment opportunity ~ Frank Buys Philly | Building Opportunities

Looking to hire a full time acquisitions person for my wholesaling company . You will Get a Base salary and commissions . Right person can and should make at least $80k year one and $100k+ year 2. Person MUST have sales experience , be driven , have book and street smarts , know how to …


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Looking to hire a full time acquisitions person for my wholesaling company . You will Get a Base salary and commissions . Right person can and should make at least $80k year one and $100k+ year 2. Person MUST have sales experience , be driven , have book and street smarts , know how to effectively communicate with people from all walks of life , have the desire to be great , can think on their feet, have the ability to work as part of a team by also not have to be micro-managed. This is a great opportunity for the right person . I am only looking for A players . People that are really good at everything above and have the desire to be great . Inbox for more info . If you don’t check all these boxes, please don’t contact me .

Demo complete on next flip project #phillyrealestate #southphilly #flipper #buildinganempire