Your Survival Guy

Preparing your investments and family for when disaster strikes.

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Follow Your Survival Guy Down This Road to Wealth

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There’s nothing wrong with incremental growth. It keeps you focused day in and day out so you don’t lose sight of the prize. With that said, let’s focus on what you can do today.

Life Comes at You Fast. Slow It Down with My Friday Email. It’s Free.

Look, I’m Your Survival Guy, not Robert Frost—I don’t need to take the road less traveled when the one before me is smooth and well-maintained. I don’t need to be a hero when I’m simply going for a walk—one step in front of the other. I like the routine. Your kids and grandkids might, too, if you get them on the road to wealth early in life. Leave the adventure stuff to other areas of life—my money is on the slow and steady in winning the race.

And let’s not confuse a race with rushing around with no direction home. You still have time to gift $16,000 (2022) exempt from taxes (also doesn’t go against the $11.58 million individual lifetime gift tax exemption; $23.16 million for couples) to each loved one. That’s a lot of money to let hibernate until the cubs get old enough to start thinking about helping their family. The key is to beat inertia and get going.

Action Line: I know the perfect guy who would love to talk with you.


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E.J. Smith - Your Survival Guy

E.J. Smith is Founder of YourSurvivalGuy.com, Managing Director at Richard C. Young & Co., Ltd., a Managing Editor of Richardcyoung.com, and Editor-in-Chief of Youngresearch.com. His focus at all times is on preparing clients and readers for “Times Like These.” E.J. graduated from Babson College in Wellesley, Massachusetts, with a B.S. in finance and investments. In 1995, E.J. began his investment career at Fidelity Investments in Boston before joining Richard C. Young & Co., Ltd. in 1998. E.J. has trained at Sig Sauer Academy in Epping, NH. His first drum set was a 5-piece Slingerland with Zildjians. He grew-up worshiping Neil Peart (RIP) of the band Rush, and loves the song Tom Sawyer—the name of his family’s boat, a Grady-White Canyon 306. He grew up in Mattapoisett, MA, an idyllic small town on the water near Cape Cod. He spends time in Newport, RI and Bartlett, NH—both as far away from Wall Street as one could mentally get. The Newport office is on a quiet, tree lined street not far from the harbor and the log cabin in Bartlett, NH, the “Live Free or Die” state, sits on the edge of the White Mountain National Forest. He enjoys spending time in Key West (RIP JB) and Paris. Please get in touch with E.J. at ejsmith@yoursurvivalguy.com To sign up for my free monthly Survive & Thrive letter, click here.

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