“There are no shortcuts to knowledge, especially knowledge gained from personal experience. Following conventional wisdom and relying on shortcuts can be worse than knowing nothing at all.” — Ben Horowitz

My name is Harry Sit. My wife and I are both immigrants. We came to the US in our 20’s with only a few hundred dollars in our pockets and no other family members in the country. Today, we are on track to be able to retire in our 40’s.

Neither of us is a doctor, a lawyer, an investment banker or a corporate executive. Neither of us ever managed anyone in all our jobs. We never had any rental property or inheritance. We are just doing it the hard and boring way: earning a salary, saving, and investing.

I’m a Certified Employee Benefits Specialist, author of a chapter in The Bogleheads’ Guide to Retirement Planning, and the author of Explore TIPS: A Practical Guide to Investing in Treasury Inflation-Protected Securities.

I’m not a writer by any stretch. English isn’t my first language. I make up for it with knowledge gained from experience. Being an immigrant, I had to choose what I know. I share what I learned over the years with you here. I will never write “11 things you should know” or “99 ways to do XYZ” while having never done any of them.  I’d rather go deep into one thing I actually did. If you like reading knowledge gained from firsthand experience, this blog is for you.

I try to keep a high signal-to-noise ratio. If I have something interesting to say, I will write about it. If I don’t, I don’t waste your time or my time. There’s no set schedule or any quota to fill. Since I started doing this in 2006, many readers told me this blog is one of the best personal finance blogs out there.

“It’s the only finance blog I read.”

“I read a LOT of ‘em; yours is extremely well done as a wide-audience blog.”

“It covers more than just basic things, but everything is explained in a way I can understand.”

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I am not a financial advisor. I do have personal opinions, sometimes strong, ignorant, or biased. Everything you read here on this blog is the author’s personal opinion, not financial advice.

I am by no means an expert on anything. I don’t intend to mislead, but my facts, figures, and calculations can be incomplete, inaccurate or plain wrong. The word “you” in the posts doesn’t mean literally you, the reader. In most cases it means me the author.

Please be sure to double check everything if you decide to act on anything I write about. Bottom line, please don’t blame me for anything you do.

Thank you for reading.

Harry Sit