Author

Johnny, your first-generation helper

I'm a nonprofit finance executive, a chief financial officer with an MBA, writing Wealth Growth Tips for people who are figuring out money without anyone at home to ask. I also launched my own concierge medicine management company. At home, I'm a family guy and a girl dad.

Credentials

• Role: Chief Financial Officer at a nonprofit
• Education: MBA

I keep employer names off this site on purpose. I write here as a person, not for any organization I've worked for. More of the story is on the About page.

What I write about

• Reading your first pay stub and what to do with your first real paycheck
• Employer matches, Roth vs traditional, and starting with simple index funds
• Emergency funds, building credit from zero, and which debt to pay off first
• Sending money home and supporting family without giving up your own future
• How raises actually get decided, from someone who reviews them

How I write and review each guide

• Every guide comes from my own experience and knowledge, and I personally review and approve everything before it's published.
• I check tax limits, rules, and numbers against primary sources (for example IRS publications or plan documents) and note the date.
• Every guide shows when it was last reviewed. I re-check the numbers when the rules change, at least once a year.
• If I get something wrong, I fix it and add a note at the bottom of the guide saying what changed.
• Examples use round, illustrative numbers. They aren't promises of results.

Full details: Editorial policy.

Disclosure

I'm not a licensed financial advisor, CPA, or attorney, and nothing here is personalized advice. If I ever recommend a specific account or tool, I'll say plainly whether I'm paid for it. See Disclosures.

Contact

Questions or corrections: hello@wealthgrowthtips.com. I read everything, but I can't give personal financial advice.