Todd Miller is todays guest joining us on the Steve Jobs inspired Join Up Dots business podcast. He Experienced Money Coach with a demonstrated history of working in the professional training & coaching industry.  Skilled in budgeting, cash flow management, and goal setting. Strong finance professional, graduated cum laude with a B.S. in Finance from the University of Florida.  And now since April 2020 - he is the owner of TightwadTodd As he says "I became Financially Independent at 35. Now, I want to help YOU achieve YOUR financial goals! Throughout my journey, I've made mistakes and had setbacks. But have had even more wins and achievements.  Learn from my mistakes, save yourself the time and money! My goal is to help YOU achieve yours! Here YOU will learn about YOUR money and where it goes. YOU will build good financial habits and save more each month! I have helped countless others, now it’s YOUR turn! The sooner YOU start the quicker YOU can live the life of YOUR dreams! How The Dots Joined Up For Todd However if this seems like an easy step to living the life that he wanted, think again. As after graduating with a degree in finance from the University of Florida, Todd started working for a Fortune Global 500 company. Less than a year later, he got laid off due to the Great Recession. During this difficult period, he committed to living on his terms and becoming financially independent. Todd dreamed of working less, experiencing more, and spending time with the most important people in his life. For the next 11 years, he worked in financial services, guiding thousands of people through the mortgage approval process. All the while, he saved, invested, and built passive income for the future. Then, at 35, Todd accomplished his goal and became F.I.! He went on bucket list adventures around the world and eventually started Tightwad Todd.com. This coaching business is a way for him to follow another passion, helping others. Its mission is financial education, so everyone can achieve their goals faster, live free, and have more fulfilled lives.  So what can people do starting today if they wish to be financially independent but dont have much cash to spare? And where do people go wrong, not paying themselves first, or simply losing track of expenditure? Well let's find out as we bring onto the show to start joining up dots with the one and only Todd Miller Show Highlights During the show we discussed such deep subjects with Todd Miller such as: Todd shares his journey through the four quadrants of financial advice from Rich Dad Poor Dad. Todd reveals why he feels operating in stocks and shares is the reliable method of operating your finances. And lastly.... Why so many of us fail to make the most of our money options due to fear or risk concerns.