The American dream is going to college getting a high-paying job, buying a house, getting a dog
and having kids, but all of that has a huge debt behind it. Right now, 70 percent of Americans have
less than a thousand dollars saved and 34 percent have nothing saved at all! 55 percent of Americans
didn't use all their vacation time last year and 62 percent of them are afraid of returning to a
mountain of work or being seen as replaceable! Literally one paycheck from the edge! This is
not an individual problem this is something that's besetting all of us! This American dream
doesn't make sense, we have to throw out that outdated vision and create something better.
We're Jerad and Amber from Holy City Family. Like most people we didn't grow up with wealthy parents
or inherit any money. We started to pursue the American dream right out of high school, we went
to college, we got a job, we bought a house, we had cars just like everybody else. We were
in debt, living paycheck to paycheck at a job we didn't love and with no retirement plan in sight.
The American dream didn't feel like a dream at all to us. This was not the life either of us wanted
for each other. Nine years ago we took a trip to Nicaragua and it changed our life forever we were
shocked and heartbroken to see first-hand people living in poverty without clean water and enough
food to eat i remember coming home after our trip sitting in our lake house looking at our pool our
dock our boat and our jet skis wondering how our life had gotten to this point i remember thinking
what have we done we've made a huge mistake for me coming back from that trip
i was just i remember sitting there thinking like we have so much and there's people that
have so little and they're living in these eight by eight shacks and we're living in this
you know 2000 square foot house so something had to change and something had to change fast for us.
so we decided to rewrite our story and start our journey to financial independence
we changed our entire lifestyle we found ways to save as much of our income as we possibly
could and we learned how to invest it so that we could retire from our nine-to-five jobs as
soon as possible when we started having children six years ago i saw so much of my time and focus
being spent working my nine-to-five job i was missing out on priceless time with my three young
children and it broke my heart i kept thinking why am i choosing to trade my precious time for money
to buy things i don't need to impress people i don't know this accelerated our efforts to achieve
financial independence and retire early fire at 35 we became millionaires and retired early at 38.
we did all of this on an average salary of 75 000 and with three young children but this is only the
beginning here at holy city family we share a journey to financial independence and teach you
everything we know about personal finance showing you how to save money and invest it so that you
can rewrite your story and start living the life you love we believe that everyone should learn how
to use their money as a tool that empowers and sets people free and not something that causes
stress anxiety and fear every monday at 6 pm we give personal finance tips and strategies that can
save you money and help you to invest it wisely and we became millionaires at the age of 35 and
a big part of that is because the financial norms that we broke check out this video where we break
down the fundamentals of a company that we follow and invest in tesla mint automatically syncs with
all of our accounts and categorizes our purchases microsoft has unveiled its metaverse project which
is called microsoft mesh our home office might look a little different to some so here's a great
chart from groceryquestions.com that shows how some basic products compare in value in this video
we're going to break down the top 12 holdings in our million dollar stock portfolio with you
tip number one is use credit karma credit karma is a free service that tracks your credit reports
with transunion and equifax it's amazing that so many of you get so many features in this and it's
free so the great thing about tradingview it has stunning charts i think it's the best charting
app out there plus we take you inside our fire journey to inspire you and share our life with you
for me retiring early didn't seem real but when jared came to me nine years ago with that vision
after a little back and forth i saw that end goal and i trusted his plan for our family
in addition to our budgeting saving and investments in the
stock market we slow flipped houses that we were living in
for profit and in our last three houses in the charlotte area we made over 150 000 in profit
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