Good evening, BP.

My name's Nico and I want financial freedom. (Everyone groans "Hi Nico" as if they're in some sort of depressed AA meeting.)

When I was in high school, my mindset was straightforward: Study hard > Get good grades > Graduate > Enter college for my bachelors > Repeat the first three steps > Study hard for GREs > Enter grad school for my masters > Repeat first three steps again > Find a job > Gain experience > Quit old job for a higher-paying position at another company > Repeat last two steps indefinitely until retirement and live off of savings.

Then, literally on the day of (or before) my college graduation date and ceremony, I saw a segment on the news that posed the question, "Is college really worth it?" This was the seed that got planted in my mind that made me scrutinize whether or not I should go back for my masters; and after securing a job a few weeks later, I chose not to go to grad school without any regrets.

After getting a job, my plan changed even further after I established my IUL account because the people who made my account encouraged me to read "Rich Dad Poor Dad". After reading the book, the rest is history - I now want to go into real estate.

Like most of you, I no longer want to live paycheck-to-paycheck, work at a job that's making someone else rich, and spend 8 hours a day doing something that's not worth doing. But if I had to be honest with myself, I sometimes do enjoy working at the company; however, at the end of the day, being an employee isn't satisfying enough - I want more out of life, which is why I'm here. On the brighter side of things, 1) I don't have any student loans to pay off, 2) I live rent-free with my parents, and 3) today's my 25th birthday. Yay.

Anyways, it's nice meeting you all!