When we talk about Think Cents. Most of the people who are reading this fall into one of the following categories:

  • People who want to earn an extra income

  • People looking to create wealth

  • People who are young and want to learn to budget

  • People interested in entrepreneurship

If you are one of these people than I’m happy to see you made it home. This blog is to help guide you towards building financial freedom while I help you avoid all the mistakes before you get there. Most of my posts aim to encourage and enlighten. You want to believe in the “American Dream” and I don’t believe it’s out there. I believe it’s “Your Dream” you should be chasing. Not everyone wants a white picket fence. And my girlfriend is allergic to fur so no dog or cat for us. But we can create our own dream of what really matters to us and the search for that dream is why I created Think Cents.

Hi, my name is Jonathan Tyler and I’m what you would consider a broke college student. (Currently) And yes, we do eat a lot of ramen noodles.

Growing up, underneath all of my goals and aspirations, my biggest goal in life was to be a wonderful father and husband. The choices I made in school and my choice of study for a career was all based on the fact that I wanted to be rich. I wanted to have enough money to stay at home and care for my kids and spend real time with my family. I wanted the life my dad didn’t have. I hated the idea of working extra long hours to pay the bills only to be stuck at home on my day off. I was afraid of the thought that work would age me faster and make me bitter. I was afraid that bitterness would rub off on my kids and disrupt my family. I was afraid of not giving them the opportunity to see what they could have because they were stressing over what we couldn’t.

Let me remind you, these are all the thoughts of a 3rd grader. I made up my mind that the army was the answer. So I told my parents right then that I was joining the marines and that was final. Spend a few years making lots of money, go home start a family, and be an awesome person in my community teaching a shitty basketball team as positively as humanly possible. There was only one flaw with that plan, (besides my knowledge of what it takes to be a marine, their salary, and how long that money would last me) I didn’t know how to swim and didn’t want to learn, and I wasn’t good at taking orders or dealing with authority.

So I bounced around dozens of career paths until I decided to be a graphic designer. Yeah, far from where I started, I know.

As a college student, I became inspired by the idea of being wealthy over the idea of being rich.  What does this mean? Let’s look at Robert Kiyosaki’s (The author of “Rich Dad”) definition.

When I was a young boy, my rich dad told me about the difference between the rich and the wealthy. “Many people think that being rich and being wealthy are the same thing,” said rich dad. “But there is a difference between the two: The rich have lots of money but the wealthy don’t worry about money.”

As much as I dreamed of becoming rich as a kid, I didn’t know that being rich doesn’t mean you are worry free over money. A highly paid employee making over six-figures can be considered a rich man, but what happens when that rich man loses his job or have more expenses than he have income?

Being wealthy, on the other hand, means to be worry-free about your financial situation. It means to always have a backup or additional assets to support your family and your lifestyle. I first noticed this when I worked sales job for a shady company (which will not name). One of my coworkers was telling me about his previous job working an executive position, owning multiple cars, a nice house, going on paid business trips, and so much more, yet; now he was stuck at the same shitty job i was, making the same shitty payment i was making (If we calculated pay by our hours, it was below minimum wage). Fast forward a year later and he is working a sandwich maker job in the mall’s food court. This is a man who had it all and showed me pictures and videos of his rich youth only to lose it all after his company decided to cut him loose.

So I refuse to put my finances completely into anyone else’s but my own. I decided to teach myself how to build and maintain wealth while staying true to myself and my passions to help me reach it. This blog is just an extension of me learning that. I want to share what I learn and my journey to everyone so that I can save you from the mistakes I’m sure to make and push us all to develop wealth together.

Let’s chase financial freedom by thinking cents!