Welcome to my blog.  My name is Raymond. I have a strong interest in personal finance and believe that with sound investing principles, spending habits, and savings strategies everyone can create the type of life they desire.  My ultimate goal is sustainable, long-term world travel and financial independence around the age of 44.  Follow me on my journey as I work on creating that life for myself and as I experiment with new hobbies, concepts, and improved ways of living.

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