What We Are About

If you were to describe your ideal lifestyle, might it sound something like this?

Imagine being free to go as you like without any money worries. You could spend an endless amount of time doing whatever you like, with whomever you like and wherever you like, all on your terms.

And here’s the beauty of it, you’d be doing things that would primarily feed your soul. To us, that sounds like a great life!

But, the reality is that you might be saddled with debt, might be working demanding jobs that you might not even like, and that might keep you from spending as much time as you’d like with your family.

Maybe you can’t enjoy life experiences because you feel that you’re barely making enough money to pay the bills.

Are you living a lifestyle that will keep you working until you’re 65?

If you’re not truly happy with what you do, we have three words to describe such a lifestyle: average, stressful, and boring.

What if we told you that there’s more to life than working a 9-5?

That reaching financial independence (FI), so that you can live life on your own terms, is within your reach? Isn’t that more… exciting?

We hope that once you see what we have in store, you’ll feel motivated to do whatever it takes to buy your freedom from a job. Simply because there’s no better thing in life than owning your time.

Whether you are struggling with money, are not sure how to make it work for you, or just want to build wealth, you’re in the right place.

You want to have your financial life in order.

But maybe you…

  • Have “too much month left at the end of the money”,
  • Have no clue how to start investing and what retirement accounts are available to you,
  • Need help figuring out how to pay off your debt,
  • Don’t know how to budget properly, or
  • Feel like your friends and family don’t understand what you’re trying to accomplish with your FI journey.

No matter what money stage you’re in, you want to be able to build wealth for you and your family. And we’re here to help you because we know how it feels. We’ve been there.

You want to be able to have enough money to pay your bills, save for your goals and enjoy life.

You’re tired of being broke and want to get rid of the stress that comes with the uncertainty of not having cash in the bank.

You want to be part of a community that understands what it means to be on the financial independence path.

You feel that it is time to secure a better financial future for you and your family, but you need help figuring it all out.

Personal finance topics seem complex. All financial jargon can scare most people away. And we’re here to simplify it for you so that you have the tools at your disposal to become wealthy. Everything else, mi gente, is at the library.

By adopting the simple daily habits that we encourage, you’re almost guaranteed to reach your financial goals. Very little will be left to luck!

Part of our money philosophy is based on a few core beliefs…

  • We believe that no matter what financial background you come from, you can become wealthy and enjoy life’s greatest treasures if you’re up for the challenge. We are determined to show you how to go from rags to riches so that you can find your true happiness. And it does not matter the color of your skin or what accent you might have.
  • We believe that in order to succeed you have to think differently, divert your path from the masses, and evolve as a human being. We’ll show how to set yourself apart from the average because being average sucks.
  • We believe that financial independence is key to unlocking the door to happiness, but true happiness doesn’t come from material possessions. It’s the simple moments and pleasant memories with your loved ones that really count. We’ll highlight how important it is to be in the moment and how we place value on relationships.
  • We believe that you have way more control of your life than you think, and can start to turn it around the minute that you take action to control your financial destiny. It’s all up to you. 🙂
  • We believe that random misfortunes that come into your life are not because you deserve them. Instead of accepting defeat, you must get up and keep trying. We didn’t become financial successes without having failures along the way. We’ll point our failures so that you can learn from them.

You’ve got what it takes to be in control of your money and become wealthy. We’re here to provide you with a solid foundation so that you can grow your stash and change your relationship with money. You got this!

Now let’s introduce ourselves.

I’m Tatiana

I’m a salsa-dancing, globe-trotting, people-watching ball of energy.

I challenge things as they are and empower others to do the same.

I’m a cultural mutt: having been born in Belarus, grown up in Lithuania, studied abroad in Spain, and living in the U.S., I currently refer to myself as a Russian Latina. 🙂 I’ve lived in PA ever since coming to the U.S.

What brings Tatiana here

Ever since I was little, I was different. I didn’t care what people did or thought and marched to the beat of my drum. Unafraid to challenge authority, I would stand up for someone or something if it felt right and just.

I have a very strong sense of who I am and what makes me happy. My goal is to share this internal strength and drive with you.

I have been an unofficial life coach to many friends and family members, and I share my realizations with you, with the hope that it helps you get to know yourself better, love yourself and live for yourself.

That, my friend, is the ultimate happiness.

My road to true happiness and financial independence wasn’t easy. I immigrated to the U.S. at the age of 13 from Lithuania with my mom and sister, and we were poor there and poor here to start. I had to work several part-time jobs to help my mom pay the bills.

However, I was able to finish college and get a great job, which provided me with a solid income.

Once I learned about the concept of FI, I combined my earning power with my humble roots and was able to save so much more than I ever thought possible.

If someone told my 13-year-old self that I’d be financially independent by the age of 31, I’d have assumed I either won the lottery or married rich.

My hubby and I make a good team: between soul-searching, financial independence, exploring the world, and breaking away from the herd, we’re getting the thrill of our lives! And speaking of my hubby…

I’m José

I’m a lifelong learner. I’ve learned many life lessons and what has made the difference in my success is that I always kept getting up after every fall.

I’m a Dominican immigrant and came here at the age of 12 with my family. I’ve called RI, NY, and PA my home states.

What brings José here

Writing doesn’t always come easily to me. However, I enjoy expressing myself through writing ever since my work started getting published in my college newspaper. I’ve been publishing on and off since then.

What brings me here is the desire to help people save for their future. The average U.S. personal savings rate is very discouraging and I believe that we can do a lot better, way better.

After I started making decent money I got sucked into the trap of the so-called “American Dream”.

However, one day I woke up and realized that I had to change my relationship with money. I want to help others do the same.

I’m now living the happiest years of my life, according to my own beliefs and not the bullshit that society dictates.

How did our first blog, Enchumbao, come to life?

Back in 2015, we felt the need to write about our financial independence journey or “FIRE” (Financial Independence/Retire Early), as it’s called in the personal finance community.

We both worked for an investment management company for about 12 years and learned a thing or two about investing.

The initial goal of this blog was to have a library of articles on how we reached financial independence and to inspire family and friends, in case they wanted to pursue FI. It’s a lot easier to send a link to an article on how to accomplish something than having to explain it over and over. That’s how Enchumbao, our first blog, was born.

We didn’t do much to promote Enchumbao outside of social networks in our effort to stay anonymous until we finish our working careers, but our articles have been featured in Rockstar Finance and Physician on Fire.

Mainstream media also took notice and our story was also featured on MarketWatch.

The FI community is a lot of fun and we had the pleasure of making new friends through meet-ups and have met other personal finance bloggers such as Two Cup House, Go Curry Cracker, Root of Good, the guys from ChooseFI, and made friends from our local ChooseFI group.

These are awesome people and you should follow their journeys.

Crucial Wealth – the next chapter after early retirement

On July 19, 2019 we retired from corporate America.

We blogged very little the past few years as we dedicated most of our time raising our child, doing some home renovations and traveling.

This left very little time to write for Enchumbao but we wanted to continue inspiring others to pursue their happiness and with a bigger focus on personal finance.

We believe it’s so critical to have at least the necessary wealth to consider yourself financial independence and that’s how the new name for the blog came about: Crucial Wealth!

Crucial Wealth is that monetary oxygen to your well-being because when you’re financially independent, your money worries take a backseat.

It is crucial to achieve this amount of wealth to ease your money worries and concentrate on living a healthier, happier life.

We’re very excited about where we can take this new project. Let’s just see which way the current flows.


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