E67: Todd Tresidder How to Invest your Money and Plan Your Early Retirement

Todd Tresidder

         The founder of FinancialMentor.com, Financial Coach, an Expert in Money, Investing, Early Retirement and Wealth Building

Todd-Tresidder with Ahmed Al Kiremli on Be Efficient Tv

What’s the 4% rule? Capital Gain Vs. Cash Flow, Stocks Vs. Bonds, The Definitions of HEDGE FUND, Mutual Funds and 401k Definitions?  

Video Interview



Todd R. Tresidder’s financial writing has been featured in the Wall Street Journal, Smart Money Magazine, Investor’s Business Daily, Yahoo Finance, Bankrate.com, and more. He is a former hedge fund manager who “retired” at age 35 to become a financial consumer advocate and money coach. In his spare time he’s an outdoor recreational enthusiast with varied interests from backpacking and adventure travel to endurance running and cycling. He writes 9 months out of the year from his home in Reno, Nevada while his kids are in school and plays the rest of the year.

Former investment hedge fund manager turned writer and financial educator who offers coaching, a blog, and ebooks on how to build wealth and invest smarter.

Goal is to help millions of people lead happier, more productive lives by freeing themselves from the financial tyranny caused by poor decisions and planning.

Specialties: Money coach, investment strategy, internet marketing, writing, financial coaching, wealth building strategy.

  • A. in Economics from University of California at Davis
  • Member of Economics Honors Society and Deans List
  • A serial entrepreneur since childhood building many businesses and retiring at age 35 from his position as a Hedge Fund Investment Manager responsible for a 20+ million dollar portfolio.
  • Todd’s portfolio management for the Hedge Fund produced 100% winning years except one which was less than a 5% loss.
  • Raised net worth from less than zero at age 23 to self-made millionaire 12 years later by “walking the talk” using the same personal finance and investment strategies taught on this web site.
  • An early pioneer and expert in statistical and mathematical risk management systems for investing.
  • Financially independent from age 35 through investing – not marketing – unlike many other financial gurus who made their money through marketing courses and books.
  • Still an active investor who earns consistent investment returns in both up and down markets.

The point of these factoids is to demonstrate that I teach personal finance and investing based on real experience. I walk the talk and have the results to prove it. I do not teach ivory tower theories or inaccurate conventional wisdom: instead, I show you what works, what doesn’t, and why – all based on actual, provable, experience.

With that said, there is a serious limitation to the financial and professional data cited above. It tells you about my financial and investment expertise, but it doesn’t tell you anything about me as a person. In other words, there are many self-proclaimed financial experts with impressive resumes so what is different about Todd?

The most obvious difference is I made my money investing in publicly traded markets just like you can do; whereas, many financial experts made their money through becoming best-selling authors and marketing financial advice to you. Unless you plan on writing a best-selling book and building a marketing empire you may find difficulty duplicating their success.

Another key difference is the focus of my message. My focus is on personal development and how the pursuit of financial freedom provides a transformational path to personal fulfillment. This stands in stark contrast to other money experts who use lavish lifestyles and fancy vacations to sell their message. My focus is on the experience of life, not the toys and goodies.

Many investment gurus drive flashy cars, wear expensive clothes, and live in mansions. I don’t. I dress on the casual side of average, drive ordinary cars, and live in a nice home in a nice but not extraordinary neighborhood. In short, I’m the classic “Millionaire Next Door” as described in the book with the same title by Stanley and Danko.

I also live very traditional values where I believe in treating people fairly and giving more value than I take in business relationships. The result is my former business associates remain good, personal friends to this day, and my business endeavors have not left a trail of bankruptcies, lawsuits and controversy like so many other financial experts. Financial results are important, but money won’t contribute to fulfillment if your life and relationships are a mess.

The reason I choose an ordinary but comfortable lifestyle is because I prefer to build net worth instead of overhead so I can enjoy freedom instead of flash. I didn’t pursue wealth so that I could buy everything I wanted: I pursued wealth so I could do whatever I desired, and be whatever I was capable of being. I value experience over stuff.

I’ve never wanted the mansions, private jets, flashy sports cars, and other encumbrances that the get-rich-quick gurus try to sell you on. I’m too environmentally conscious to consume at such a wasteful level. Besides, that is the mistaken pursuit of material wealth as a substitute for happiness. It doesn’t work.

I find joy in life experience, intellectual pursuits, and relationships. First on the list is family and friends closely followed by reading stimulating books, enjoying outdoor recreation like running, swimming, skiing, hiking, cycling, camping, backpacking, travel, and I love personal growth. I do exactly as I please: I don’t report to a boss and nobody owns my time except me (and maybe my wife). I take three months of vacation per year and usually wake up without an alarm.

None of this costs much money but it does take time, and that is why I pursued financial freedom in my own life and support others to do the same – so that you have the time to do what gives you more joy in life without worrying about money – so that you can live true wealth by finding fulfillment and happiness.

I teach the pursuit of financial freedom as a transformational path because that’s what it was for me. I grew in ways I never imagined, and I am happier for it. The money was nice, but the inner transformation was the bigger reward.

And that is why I formed Financial Mentor – to share that journey with you. To grow a community of like minded individuals who are passionate about building wealth and financial freedom because it improves the quality of life for themselves and their families.

I enjoy working with business owners and investors who share my passion for enjoying more of what is important in life. Financial Mentor gives me a forum where I can share the lessons of my business and investment experience. I don’t stand above you on a pedestal, but instead stand as a fellow traveler on the same life path with valuable experience to share.

Combining cutting edge investment and business development strategy together with the latest personal growth technology into a transformative journey to financial freedom is my unique gift to share with the world. It is a way I can help others while helping myself.

Website & Social media links


Interview Questions

  • Why did you quit your job as investment hedge fund manager to become a financial advisor and writer?
  • What’s your mission and how different is your philosophy as financial advisor from others?
  • At 23 years you are in debit, 35 you are financially free, what does financially freedom really means and how did you do it?
  • What are the main different types of investments?
  • Which types of investments you usually recommend for people to invest in?
  • Capital Gain Vs. Cash Flow, which one you like more and why?
  • If a deal is including cash flow and capital gain then how much percentage we should put for each when we prioritize our investment decision?
  • How big is the inflation effect on the money that we save in the bank?
  • Don’t you think that the financial markets been designed to benefit the companies that goes public more than the people who invest in it as you don’t have control over the market regardless how much you learn about it?
  • What’s the 4% rule?
  • If saving is not for me or my income is small so I can’t save then what should I do to raise capital for my investments?
  • What’s the difference between stocks and bonds?
  • Define HEDGE FUND, how it works and how to invest in it?
  • What are some of the most common investment strategies in the Hedge fund industry?
  • Is mutual funds is a good idea?
  • What’s 401k, who should invest in it?
  • How to get out of debt?
  • How to pay the debit of 10 credit cards, 1 by one completely or pay only the minimum for all of them on monthly basis?
  • Explain the The Latte Factor and how to manage it?
  • What to do to retire as early as possible and how much is needed to achieve that?
  • What should we do before hiring a financial coach?
  • What are The Investment Frauds that we must Avoid?
  • Is there’s a risk percentage or formula for investing?
  • How’s the economy now, what’s your prediction for the economy in the next 5 years?
  • Why money is not the main source of happiness and how to create happiness in our life?
  • How do you write efficiently? Please share with us your writing habits?
  • Why you are focused more on Ebooks the kindle version more than paperback books?
  • What are the main steps that you follow to market your books?
  • Do you participate in masterminds, which ones and which other masterminds you recommend?
  • Share with us some of the tools or software that make you more efficient?
  • What’s your daily life and work routine looks like? 
  • What are your other hobbies?
  • Who are your top 3 mentors?
  • The most important factors for success in 3 words?
  • What’s the biggest failure moment in your life and what did you learn from it?
  • What do you do to change your mood when you are depressed?
  • If you have the chance, what would you say to advice your younger self?
  • What are your top 3 favorite books?
  • Top 3 financial books and financial writers?
  • What makes you really happy?
  • How people can contact you?