The Beginning…

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Welcome to Average Joe Finances.  This blog will be all about budgeting and investing for your everyday “Average Joe.”  This is something that I have recently become very passionate about.  I always thought saving money and investing was too difficult to comprehend.  Trust me, it still is…  But there are some simple ways for your everyday average person to save, invest, be comfortable in life, and possibly even get rich…

This blog is not the place to come if you think you can get rich quick.  That is not what this is about.   What I want to explore with all of you are the different ways you can utilize your current income better, make your income stream higher, budget to save more, and investing your money for growth. 

I am hoping that I can share my experiences, but successes as well as failures to help you not make the mistakes I made and to make good financial decisions.  I am not certified as a financial advisor or anything like that, however, it may be something I do when I retire from my first career.

Here is a little about me.  I am 35 years old and have served in the military for almost 17 years.  I enlisted in the Navy at the lowest paygrade back in 2002.  I have worked really hard to rise through the ranks and am currently an officer.  I am not trying to brag or anything, I am sharing my successes as well as my failures… I am planning to retire from the Navy in 5 years when I am 40 years old.  I will most likely start another career until I am 60 when I plan to permanently retire.  Maybe I will retire before that, but maybe not.  I tend to plan my life five years at a time (and will talk about this in future posts).  I am now in a place where retirement from my first career is part of my five year plan.  It’s scary!  I just started using a financial advisor because I wasn’t happy with where I am at financially just yet.  After sitting down with my advisor, I have come to the realization that becoming a millionaire by the time I retire is not only a possibility, but IT WILL happen.  It made me think… I just really starting being aggressive with making my money work for me at the age of 35, what if I would have started 10, or even 15 years ago?  Well, what ifs don’t matter much when the time has already passed… However, there is some “what ifs” that are worth talking about…

What are these “what ifs” you ask?  Great, I’ll tell you.  The “what if” I am referring to is…  What if this blog reaches out to someone who is in that age range?  What if this blog reaches out to someone in my age range and helps them realize it’s not too late?  What if this blog reaches out to someone who is a bit older, but helps them even slightly live a more comfortable life in retirement?  That is what I want this blog to do.

Again, I am not a certified financial advisor or planner or anything of the sort.  I have taken a few finance classes and I have my own financial advisor that helps me with some of my decisions.  I try not to take what my advisor gives me as gospel and I try to do my own research.  I am just your everyday “Average Joe” that is trying to make a better life for himself and leave a legacy behind for his children.

I would love feedback from those of you who will follow this blog and would love to share some of your stories with the community as well.  I am looking forward to hopefully helping some of you take control of your finances and set yourself up for a comfortable future.

Mike Cavaggioni
Mike Cavaggioni

Mike Cavaggioni is an Active Duty Officer in the U.S. Navy, REALTOR-ASSOCIATE®, Real Estate Investor, and Finance Coach located in Honolulu, HI. He is the founder of Average Joe Finances and host of the Average Joe Finances Podcast. Mike owns real estate in Hawaii and Virginia and is building a community for people to come together to learn and build their wealth.