My name is Jesse, and this is my financial journey.
I often think about the series of events that led me where I am today.
A vibrant childhood (I am the third of four boys), years of playing team sports, a 6-year-long military career – all formative experiences of being part of something bigger than myself.
It might sound cliché, but bear with me. I think many of you reading this will be able to relate.
The Prince Family principles
You see, growing up, my parents impressed two things upon us:
- Never live outside of your means, and
- Do good things.
When the time came for me to fly the nest, so to speak, I enrolled in the United States Military Academy at West Point, in accordance with these principles. (Go Army!)
By serving my country, I could sidestep burdening my family (or my future self, for that matter) with the crushing student debt that burdens so many young Americans today. It was a win-win.
After six years of active duty – including two tours in Iraq – my worldview had fundamentally shifted, to say the least.
Perhaps the biggest challenge of assimilating back into civilian life was that what had once satisfied my desire to “do good” just wasn’t cutting it anymore.
Frankly, I had to do something bigger. Something great. I wanted to have a meaningful impact.
Lost in combat
Three things serving in the military will give you: Thick skin, lasting life skills, and a deep love for learning.
That, and a paycheck every first and fifteenth of the month.
What the military doesn’t give you are the skills needed to manage that paycheck effectively. As far as I can tell, schools aren’t acing the subject either.
Growing wealth, saving for retirement, building rainy day funds – these might not be the skills you need to survive combat. But you sure as hell need them for a fighting chance at the American Dream.
When my time in the service was over, I found myself in a position I never thought I’d be in – aimless, unemployed, and defeated.
Overnight, I went from a Captain in the Army with command over 120 soldiers, to reading rejection letters from employers due to “lack of work experience” in my parents’ basement where I was living.
The transition was jarring and brutal.
I had neither income nor resources. The only thing lower than my self esteem at the time was my bank account balance. It was humbling. It was terrifying.
A lot of grit and a little luck
Fast forward a few months (and a handful of rejection letters).
There I was, standing in my parents’ kitchen (staring into my mother’s freshly packed refrigerator, oddly enough), when it struck me: “Speak the language of your profession.”
Of course. Classic Occam’s razor: The simplest answer is usually the best one. And as expected, something I had learned in the service would indeed guide my life outside of it.
I started with a list of all the things I find joy in. I’ve always had a natural interest in real estate – it seemed like now was as good a time as any to explore that further.
Step one, of course, would be to learn the language of the real estate industry. I was essentially starting my career anew. There was going to be a learning curve.
I didn’t just want to learn it – I wanted to master it.
I enrolled into graduate school with a Real Estate Finance degree fixed in my crosshairs.
At the same time, I looked for employment in the industry. Every soldier knows you never truly master your craft until you’ve had real combat experience. After what felt like a lifetime in the reserves, I was more than eager to get my boots on the ground.
Luckily, I stumbled upon a handful of amazing people who helped me do just that.
Building the nest
I’d always known real estate investing was an incredible way to build wealth. However, like most Americans, I didn’t exactly have mountains of cash at the ready to drop on investment properties.
So I turned where many of us do when we need answers to life’s pressing questions: Google.
A quick search for how to invest in commercial real estate without having to front large sums of money for a downpayment only brought up a GIF with a menacing Jack-in-the-box popping out holding a sign that said “better luck next time.”
Okay, okay…that didn’t really happen.
But it may as well have, because all I found were real estate investing platforms with high minimum investment requirements ($1,000 or more) and confusing, technical language.
Without access to wealth building investment opportunities, how could everyday people build their financial future?
I thought to myself, “If I, as a professional, am turned off by these platforms, I can only imagine what others are feeling.”
And then it hit me. I could satisfy my “do-something-great” drive by helping others live within their means while building wealth.
In other words, I could feed two birds with one scone. That’s how HappyNest was born.
My vision was to create a place where everyone – regardless of the financial hand they’re playing – can access an opportunity to build their wealth and improve their financial literacy.
HappyNest takes flight
I gathered the information and resources needed to help HappyNest take flight.
My first order of business was lowering the barrier of entry. A thousand dollars is a lot of money for most people – prohibitive even. It certainly was for me at one time.
Real estate was an investment asset class once reserved for the wealthy. We may not serve caviar or champagne here, but $10 will get you a seat at the table.
I made $10 the entry point because, at one point in my life, that’s all I had in my bank account. I like to think that if I could afford it on my worst day, others could also buy into the chance to change their financial futures.
My path hasn’t been the easiest, but I’m confident that I am not alone. I hope HappyNest can help you achieve whatever goals you may have.
And that is my most important mission to date.
Thank you for taking the time to read my story.
My name is Jesse, and that is my financial journey.