I am an American expat living in Ecuador. I was a small business owner for 32 years when I retired in 2012 at the age of 55.

As a small business owner, I learned a lot about managing money, budgeting and saving money for unexpected expenses or emergencies. While money management principles are rather easy to understand, putting them into practice on a consistent basis is more difficult.

I am eager to share my knowledge and experience with you so you don’t make some of financial mistakes I made.

W. M. Brown

My Other Websites

Life Under Change
Quotes that inspire, motivate and challenge us.

Perspectives on Life (Blog)
Taking a Closer Look

A Life Within (Blog)
Journal of a Highly Sensitive Introvert

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