About Me

Hi! My name is Nero N. I’m currently a CFA Charterholder.

I graduated from the University of Maryland with an MBA and a Master of Finance degree.

I love teaching personal finance, academic finance, stock trading, options trading. And I do it all for free!

I’m a firm advocate of the Core-Satellite Portfolio. The portfolio consists of passive investing at its core and active management in its satellites. This could include individual stock picking of undervalued stocks, riding the momentum of growth stocks.

My main focus is achieving financial independence so that I can enjoy a fulfilling and meaningful life.


I don’t want to work a 9-5 job, 40+ hours a week, for the rest of my life. My parents are about to retire. They have a few years left. Afterwards they plan to do some traveling and see the world. I dream of doing the same, but I don’t think we should have to wait 30+ years until we retire in order to do so. I believe we can all achieve our dreams of being financially free and doing what we want if we apply a little more intelligent personal finance in our lives.

What do I want to do after obtaining FI?

Whatever I want (<– and the freedom to say that!)

  • Travel — and not just for a 1 week vacation. No. Everyday will be a vacation. I find that one-two weeks was hardly enough when I visited Japan. I would like more free time to be able to explore the World.
  • Blog. I’m an avid blogger. I’m not very good at conveying my thoughts orally but I find myself much more comfortable swimming through the English language in script.


I plan to achieve financial independence and retire early by doing THREE things:

1. Save money by minimizing expenses. In losing weight, the same principle applies. You want to control your intake and your outtake in such a way that lets you achieve your goals. While dieting you want to outtake more than you intake. However in saving money, you want to intake more than you outtake. That is to say, you want to bring in money and save more rather than spend more.

2. Generate money through options trading, investing, dividends, any other sources of income.

I wrote this blog to help others with basic personal finance education. This includes reducing common expenses and investing intelligently.

Retirement Plan

  • Options Trading
  • Investing
  • Dividends

I like having multiple strategies to achieve the retirement plan. I’m currently invested in the market through my 401k and my Roth IRA. These vehicles will hopefully grow over time and act as one part of a retirement nest egg. My other nest eggs will be a dividend portfolio, both to grow and return passive income, and an options trading portfolio, where I plan on selling weekly/monthly credit spread to acquire small amounts of return in premium.

I am passionate about escaping the 9 to 5 rat race of a Job. Not many people share this view with me and I don’t expect people to. But I do think about how I would be able to follow my dreams and my passion if I did not have a full-time job.


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1 thought on “About Me”

  1. Hello, Yes, escaping the rat race in my option is a goal everyone should have. Unless you have gotten a good start on the way money works saving what you can is simply not enough. getting a good return is ok getting a great return is even better. To me, It’s very important to understand eco systems and how they work, If no one can challenge you your on top of the food chain. Understanding how the finance system osculates is very important to get ahead.



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