Who is Joe Withrow?

Joe Withrow is just an average, hardworking American who did everything by the ‘American Dream’ handbook.Joe Withrow

He took advanced classes in a public high school and graduated with good grades. He then went on to earn a finance degree from a public university.

Upon graduation, Joe moved to a metropolitan city and played the corporate game, working for two different mega banks and earning several minor promotions/pay raises/bonuses for his efforts.

Joe bought a starter home, met his wife, and settled down to live the American Dream – just as he had been “educated” to do. He contributed the match rate to his 401(k) and he maxed out his contributions to a traditional IRA – just as he had been “educated” to do.

Joe was doing everything the “right” way and a storybook life appeared to be unfolding before him.

But then something strange happened.

Joe started to see that the rat-race had no light at the end of the tunnel and no rewards worth reaping.

He began to realize that the ‘American Dream’ was at best a myth and at worst a means of control. He began to see how the monetary system itself worked against him. He began to realize that his annual wage increases could not possibly keep up with inflation over the long term and therefore he was stuck on a perpetual tread-mill despite doing everything the right way. He began to realize that the stock market could not possibly go up exponentially forever no matter how many talking heads swore up and down that it would.

So Joe started to do a lot of independent research and he started to do a lot of introspective examination. He quickly came to the realization that he had to build a more self-reliant lifestyle if he wanted to have a chance to create a Mindful life for himself and his family. So Joe made the decision to seek financial freedom. Over a period of time, Joe was able to eliminate debt and needless spending and redirect his income to a carefully constructed asset allocation model. This enabled him to end his career in corporate America and spend his time pursuing entrepreneurial projects of interest.

16 thoughts on “Who is Joe Withrow?”

  1. What you went through, I am in the middle of going through right now. I had achieved the American Dream. I had a nice house in a rich area in a nice neighborhood. Great wife and three wonderful kids. I had my own Plumbing and Heating Business that was very successful. I had lots of disposable income.

    In 2009-2011 I fell deep in debt because of the bad economy. Jobs started to sell for half of what they used to. So even I won a bid I couldnt make enough to pay all the bills. Things went bad and real estate never recovered. In fact it got worse. The house is now under water because the property values still continue to drop. My wife left me. I fell in a deep depression from 2014 to 2015. I am in bankruptcy mode and the debt is to far to even think of repaying.

    I did a lot of soul searching and inner contemplation. I am now coming out of the depression and gaining strength everyday. I am back to creating wealth setting goals and moving forward in a new direction. I am now trading a Roth IRA full time. I am a full time trader for a year. Because they cant touch that in bankruptcy. I am up 57% for the year and that amounts to a years salary and its all tax free. But I cant touch it for another 7 years without penalty and taxes. I still have the house and keep stalling things in forecloser. This allows me to spend less time on the heating business and more time trading. I dont want to work too much at my heating business because any money would be taken to pay off my massive debt.

    I am reading lots of books, studying charts, vsa, in a trading chat room and read Zerohedge a lot. I just am putting 110% in learning how to be a great trader. I need help planning my next steps. I was wondering if I could talk on the phone with you some time.

Leave a Reply

Your email address will not be published. Required fields are marked *