Are Your Actions TODAY Building The Future You Desire?
Everyday Bravery: Taking Intentional Daily Steps Toward Your Creating Your Dream LifeThe content on Surprising Wealth reflects my own experiences and opinions. It is not intended as financial, legal, or tax advice. Please consult a professional for advice tailored to your situation.
Are You Ready to Be Real with Yourself?
At some point, we all have to face the truth: the life we dream of and the life we’re actually living might not align. It’s a tough pill to swallow, but it’s a necessary one. Today, I want to share some tough love, an aspirational message, and a challenge for you to be brave enough to follow your dreams for real.

The Tough Love: A Wake-Up Call
Let’s be honest. We often find ourselves caught in the cycle of daily habits that don’t serve our long-term goals. It’s easy to get comfortable with the status quo, but comfort can be a trap. If you’re not actively working towards your dreams, you’re passively letting them slip away.
Ask Yourself:
- Are your daily habits moving you closer to the life you want to live?
- What changes can you make today to bridge the gap between your current reality and your aspirations?
- Are you willing to step out of your comfort zone to pursue your dreams?
The Aspirational Message: Believe in Your Dreams
Your dreams are worth pursuing. They are not just figments of your imagination; they are glimpses of what your life could be. Believe in their value and in your ability to make them come true. This belief is the fuel that will drive your actions and transform your life.
Be Brave: Take Action
Dreaming is the first step, but action is where the magic happens. It’s time to be brave enough to take the necessary steps toward your dreams. This might mean making difficult decisions, changing habits, or facing fears. Remember, bravery isn’t the absence of fear; it’s the willingness to act despite it.
Encouraging You to Be Real with Yourself
Here’s a powerful quote to reflect on:
At some point you gotta be real with yourself
about the gap between the life you want to live
and the life that your daily habits are leading
you towards. – Michell C. Clark
Let this quote be your wake-up call. Be honest with yourself about where you are and where you want to be. Use this honesty as a catalyst for change.
Are your daily actions truly aligned with the life you envision for yourself? It’s time to take a hard look at your habits and ask if they’re propelling you toward your dreams or keeping you stagnant. Building your dream life isn’t about making huge leaps overnight; it’s about taking consistent, thoughtful steps every day. Even small changes can set you on a lifelong path toward your goals. Let’s explore how you can start making intentional choices today to create the life you’ve always wanted.
Everyday Bravery: Taking Small Steps Toward Your Dream Life Goals
Your Dreams Are Within Reach
Following your dreams for real requires courage, self-awareness, and action. It’s not always easy, but it’s always worth it. Start today by being real with yourself about the gap between your current life and the life you want to live. Then, take bold steps to bridge that gap. Your dreams are within reach if you’re brave enough to pursue them.
#LifestyleDesign #CreateALifeYouLove #SelfImprovement #LifeGoals #MindsetMatters #DailyHabits #IntentionalLiving #LifeDesign #LiveWithPurpose #CreateYourLife #MichellCClark #FIRE #SurprisingWealth #FinancialFreedom
– – – –
A Bit About Us
Our journey began with humble beginnings. We’ve navigated through the challenges of creating a life and a living we love, while earing low to median incomes. What started as a modest dream of being able to retire someday has turned into a concrete plan. We’ve been on the SlowFI path, consistently saving and investing for 20+ years. Our income over time has stayed roughly in the 50th percentile, so we are truely everyday Americans. We’ve achieved remarkable results through living below our means and consistently investing the difference. Now in our mid-40s, we are in the top 20% for U.S. household wealth for our age group. This has been possible through conscious spending, consistent saving, strategic investing, and a commitment to lifestyle design where we spend generously on things that bring us value and contentment, while cuting back on things we are ambivalent about. It can be daunting when you hear the stories of tech workers or doctors or other people with large income shovels. We want to share how an everyday couple with median US income has built wealth for the future, while also creating a life we love today.
Why Financial Independence?
Financial Independence means having the freedom to make choices that aren’t dictated only by the need for a paycheck. It’s about gaining control over your time and energy, and being able to pursue what truly matters to you. For us, it’s about creating time for friend & family, travel, and the experiences that bring joy and fulfillment.
Join Us on the Journey
In January 2021, I ran some calculations, projected our investment growth, and analyzed our current spending levels. After adjusting our spending assumptions for future inflation, I realized we could replace our earned income (trading time for money) with investment income (our money making money for us) in approximately 10 years. With 90 months left to go, we’re solidly on that path and we want you to join us. Whether you’re just starting out or well on your way to financial independence, Surprising Wealth is here to support and inspire you. Together, we can make every month count and turn dreams into reality.
Thank you for being a part of our community. Let’s embark on this journey to financial independence together!
Disclaimer: All the tips and stories here are from my own journey toward financial independence. Remember, what worked for me might not work for everyone. This content is for informational purposes only and should not be considered as financial, legal, or tax advice. Always consult with a professional before making any significant financial decisions.
%
CoastFI for Retirement
%
To LeanFI
%
To FIRE Number
Months To FI
Recent Blog Posts
Discover the power of small actions and big dreams with Surprising Wealth. Through a blend of personal anecdotes, case studies, and actionable tips, we’ll show you how we’re navigating the complexities of money management, investment strategies, and lifestyle choices to achieve true financial freedom and fulfillment.
The Best Car I Never Bought
I thought I was saving for my next car. It turns out I was really saving for something much bigger. Here’s how an unexpected opportunity transformed a future car purchase into the down payment on a rental property… and one of the best lessons we’ve learned about opportunity cost.
The Anti-Upgrade Mentality That Upgraded Our Entire Life
Every major purchase asks the same question: What else could this money become? Years ago, we started asking that question before upgrading our home or car. The answers reshaped our finances… and our lifestyle.
65 Months to FI – Practicing Looking for the Opportunity
65 months to FI! Just months after deciding to slowly wind down our rental portfolio, life accelerated the plan for us. Three long-term tenants moved out in rapid succession, giving us the unexpected opportunity to sell three properties this year instead of one. Twenty years ago, we couldn’t have imagined how much rental real estate would shape our Financial Independence journey. Today, we’re learning to embrace the evolution of that chapter.
2025 Auto Cost: The Quiet Superpower of a Boring Car
Every year I calculate the true cost of owning my vehicle, including insurance, maintenance, taxes, and depreciation. The results remind me that one of the best ways to build wealth isn’t earning more… it’s spending intentionally on the things that matter most.
2026 Great Life Goals: Mid-Year Friendship Goal Check-In
One of the ideas behind SlowFI is that you don’t postpone living until you reach your financial number. This year’s visits with friends goal has been a wonderful reminder of that. Research consistently shows that strong relationships are one of the biggest predictors of health and happiness. So we simply keep saying yes to inviting friends over, attending bookclubs, and chatting with neighbors. Those tiny choices added up to 79 meaningful connections so far.
70 Months to FI – What Would You Want Less of in 6 Years?
70 months to FI! When you’re far from Financial Independence, you optimize for growth. When you’re closer, you begin optimizing for simplicity. This month’s decision to sell a long-held rental property marks a quiet but meaningful shift in how we’re preparing for the next chapter. As we approach FI, we’re realizing that what once energized us is now beginning to exhausts us. Sometimes the bravest financial decision is letting go of something that once made perfect sense.
Self-Employed Health Insurance: 12% premium increase for 2025
Our 2025 health insurance premium increased by 12%. Healthcare is now our second-largest expense as a self-employed couple. And unlike groceries or travel, this isn’t an area where we can optimize much further. High deductible. No subsidies. Shopping the marketplace every year. As we plan for early retirement, we’re treating healthcare differently than other spending categories.
2025 Great Life Goals: Year End Review
In 2025, my Great Life Goals told a story I didn’t fully expect. More time with aging parents. Fewer ocean days than I craved. Travel shaped more by service than adventure. This year, I tracked days with family, visits with friends, travel, ocean time, and walking habits. But what I really measured was alignment. 2025 became a year of proximity to the people who matter most, releasing pressure in hard seasons, and noticing where my spending isn’t yet representing my values. Here’s what my goals revealed about the life I’m building.
Tracking Our Lifetime Wealth Ratio: 2025 Update
For every $1.00 we’ve earned as income in our lifetime, we’ve built $0.93 of net worth, not by saving every dollar, but by investing regularly and letting time + compounding do the work to grow our wealth. Ever wondered how effectively you’re turning income into wealth? We’ve been tracking our progress for the last 5 years using the Lifetime Wealth Ratio.








