About Me

Hello fellow financial students!

My name is Jacob. I am a 25 26 27 28 29 30 year old currently working for a biopharmaceutical development and manufacturing company in Colorado. After I majored in Biomedical Engineering, Finance, and Spanish in undergrad in Arkansas, I went to work for a Dow-Jones listed pharmaceutical company for two years on the East Coast. Next, I decided to go to graduate school in Virginia to get my PhD in Chemical Engineering (with a research focus on Alzheimer’s Disease drug development).

A good question you are probably asking yourself right now is, “What makes this blog different from the other personal finance resources out there, and why should I read it?”The most appropriate answer to this is also the easiest: since I am not being paid by a publicly traded company according to what I write, my advice can remain objective. Additionally, the techniques I talk about center on my mantra that effective personal finance should not be hard. For more information, read below.

My goals/reasons for starting this blog are as follows:

  1. Unraveling some of the myths around investing and personal finance that are ever-present in today’s society (Example – the myth that investing in common stocks can consistently beat the stock market).
  2. Share ways for how to live frugally, save money, and even make money on the side in their free time.
  3. Provide an interactive forum and resource that people can use to get help on whatever financial topic is necessary to help them reach their financial dreams!
  4. And lastly, I enjoy writing and sharing what I know about finance in order to help others. This also provides motivation for me to keep my financial knowledge fresh and learn new things!

My Personal Finance Journey Interviews, News Appearances, and More Information About Me and the Site

My Personal Finance Journey has been featured in the past year and a half in several interview-style posts. If you are interested in learning more about me, what my site is, or why it was started, simply stop by any of the links below! Happy reading!

Yakezie.com – Jacob @ My Personal Finance Journey Member Post
NarrowBridge.net – Blogger Interview Series – Jacob from My Personal Finance Journey
DebtPayer.com – Interview with My Personal Finance Journey Blogger Jacob Irwin
Smart Family Finance.com – Personal Finances Issues of Scientists and Engineers
BHPHPrices.com – Interview on How to Build Up Your Credit and Optimize Your Car Loan Needs

Thanks for stopping by! If you have any questions, please don’t hesitate to email me at Jacob@mypersonalfinancejourney.com.


  1. Thank you so much for your clear and unbiased explanations surrounding the Whole Life/Infinite Banking concept. I was almost in the position of committing to this as a strategy but decided against it at the last minute, not feeling in my gut that it was right for me. Only after I made my decision did I stumble across your site. Being an engineer by training, I am very logical and need to understand how things work, and I felt that the whole thing seemed shrouded in mystery from the beginning. So thanks for helping to unravel the concepts for me and confirming for me that my decision was the right one. Keep up the good work!

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