Introducing the Cash Flow Celt
Business, for as long as I can remember, has been my interest. Personal finance, wealth accrual, corporations and stocks have been a passion to study since reading closing tickers in the newspaper over a bowl of Fruit Loops as a child. I started reading the Wall Street Journal at around eight years old and had both Adam Smith’s Wealth of Nations and John Maynard Keynes General Theory of Employment, Interest, and Money finished by sixteen. I’ve been reading treatises and classical philosophy since I was able to even remotely comprehend it.
I went off to college to major in economics and thought I was headed for law school upon completion. My friends still argue that I am a prime candidate. However, just before my last year, I decided that taking on an excessive amount of debt for a career I really wasn’t sure I was passionate about just didn’t make sense and I went into the workforce. I’m currently with a local Sheriff’s Office and it’s been a learning experience for me, albeit a fulfilling one. While working here I’ve learned simple things about life – about empathy, and listening, and how little kindness costs. I’m also learning about who I want to be both personally and professionally going forward.
The Beginning of Cash Flow Celt
This far in my personal life, I’m known as a money guy. I couldn’t tell you how many meetings or questions I’ve fielded over the years helping friends understand terms or interest rates, and then the multitude of 2AM conversations about budgeting and cash flow analysis is enough to make your head spin. The recommendations I give here are wholly my own and based upon the financial principles I have developed over the years and are many of the same recommendations I’ve spoken to my friends and colleagues. And that’s exactly what I bring to the table for you, the reader. My background is different from many other of the other financial blogs; I think it’s important to understand the evolution of economic and financial theory as it leads up to today. This knowledge allows me to give a more holistic view and some fun history-driven anecdotes for you all to enjoy. As a reader you will only receive candidness from me. I’m on this journey as well. I know what the Future Value function in Excel says I’ll be worth when I retire, but it’s wholly up to me to get there. I’d like to share that journey with you. Furthermore, I’m an Average Joe; I went to a public university and I work a government job – I’m not bringing in a six-figure income. Many of the financial struggles you all have are struggles I’m faced with as well. How do you allocate money to savings when your child needs an unexpected hospitalization? Hopefully, I can help with that by building your knowledge about money.
Some quick housekeeping though. I am not a financial advisor, CPA, CFP, CFA or the NBA. These are personal opinions and not professional advice. Should you have a question for me pertaining to a specific problem and that question lends itself more to a professional opinion, then I will happily point you in the right direction of a professional advisor.
So what is this blog all about? Well, first let me tell you what it’s not. Stock picking. Well, at least it isn’t entirely about stocks. I may delve into fundamental or technical analysis from time to time, but only when the topic, I feel, furthers my vision for this blog. Rather, I intend to focus on developing a foundation, and an interest, in all things that fall under the umbrella of money. Hopefully once all is said and done, you’ll be able to talk more intelligently with a financial advisor and won’t feel so bullied by bankers during a mortgage negotiation. I will also join the foray into economic analysis. I will take complex economic talking points – like taxes, debt, and interest rates – and try to boil them down into a manageable read. It won’t always be easy, but nothing in life ever is. This blog is intended for financial beginners and young professionals; however, I will attempt to make the content interesting enough for a seasoned veteran to find worthwhile. Do not be ashamed for what you don’t know. Be inspired that you had the wherewithal to seek out a place to usher you onto the path of financial freedom. To paraphrase Marcus Garvey, we are slaves to the person with more knowledge; this goes for life, negotiations, and perhaps most of all, money. Here at Cash Flow Celt, we seek to break those bonds.