My name is Bret Frohlich and I live in San Clemente, CA, USA.  I’m married, with two adult children and one grandchild.  I have been saving and investing since 1985 and I’ve seen nearly every market condition and type of investment.  I worked my way through college, climbed the corporate ladder, crawled out of debt and paid off my mortgage.  I finally reached financial independence and retired at age 58 in 2023.  I’m looking forward to more travel and adventure.

My mission in life is to help others on their path to prosperity.  If you have ever wondered how to get ahead financially and live a prosperous life, this blog is a great place to start.  I recommend reading the Getting Started posts or you can read the posts of any category that you want help with.  There are also a number of great Personal Finance books on the Recommended Reading page.  Financial wisdom is easy to find.  The hard part is having the desire and discipline to change your life. 

Why I Blog

I became interested in personal finance at age 19. I read a wonderful book called “The Richest Man in Babylon” and it changed my life forever. The real epiphany for me was that investing and personal finance are really quite simple.  Anyone can take control of their financial destiny and everyone should.  Most Americans aren’t saving, investing or planning for their futures. They are mired in debt and struggling with their finances.  I want to help change those circumstances for my readers.  The rest is up to you.

Social Media

YouTube – https://www.youtube.com/@HopeToProsper

Facebook – https://www.facebook.com/hopetoprosper/

Twitter – https://twitter.com/HopeToProsper