Josh Arnold
A collection of thoughts, sounds, and snapshots.
Personal Finance
This is my transparent journey toward financial independence. I believe building wealth isn't about restriction, but about designing a life of freedom. My approach is simple and disciplined, focused on clear principles that guide every financial decision I make.
My philosophy is to prioritize long-term growth. I focus on diversified, low-cost index funds that compound over time, letting the market do the heavy lifting.
Rather than saving what's left, I pay myself first. I automate savings for specific, meaningful goals like a down payment, travel, or new creative gear.
Wealth isn't just about growth; it's about resilience. A solid emergency fund and the right insurance provide a crucial safety net for life's surprises.