Following a startling midlife realization that we weren’t on track to support our lifestyle for life from traditional stock and bond investments, along with 2 giant bear markets in one decade and all time low interest rates, my husband and I began a ten-year adventure to create diversified income streams from stocks, real estate rentals and online businesses.

Within a few years, this endeavor replaced job income, began supporting our nice lifestyle completely and allowed us to work when and where we wanted. Not only this, but we pursued lifelong passions and areas of expertise following previous careers while creating long term income streams.

We have found that being later life entrepreneurs keeps us marketable, fulfilled and much more financially secure.

Why Would You Listen to Me?

Welcome to my website. I’m Camille Gaines, an Accredited Financial Counselor®, author of an Amazon Best Selling personal finance book, Earn Grow, Give, and online entrepreneur. I bought my first mutual fund when I was twenty one, and I have personally invested in thousands of stocks, dozens of funds, hired and worked with multiple financial advisors, hedge funds, sold covered calls, launched and run online businesses and bought and managed real estate. As you may have guessed, I actually enjoy investing and running online businesses.

Larry, my husband, is well known for his successful option trading education programs at and trading software he developed, after well over thirty years as a professional options and commodities trader.

Maybe like you, we were taught that financial independence came from saving enough money for our investment accounts to slowly withdraw 4% during retirement, along with dividends, bond income and social security.

While a nice stash in stocks is a solid foundation for passive long-term wealth accumulation, we discovered that financial independence came from having alternative income streams to fund our lifestyle.

The reality is that even a million dollars in stocks and bonds with rates near all-time lows doesn’t generate much income. Plus, your capital goes through unexpected bear markets every few years, adding to the uncertainty of having funds for life.

“All time lows” of anything means we are in unprecedented times, which calls for a new of thinking because old strategies simply don’t work for most investors during unprecedented times.

Late Midlife Discoveries:

  1. Depleting your investment accounts to live rarely seems like a good idea, especially early in “retirement”. Even if you’re wealthy, there’s usually guilt and fear triggered when you spend your hard-earned savings to pay for your desired lifestyle. Alternative income streams can pay for some or all of your lifestyle expenses, leaving your savings to continue to accumulate wealth.
  2. Unrealized potential subtly begs for recognition and utilization in late midlife. This potential can be put to excellent use generating income resulting in a happier and healthier existence creating income while contributing to society, on your own rules, at last.
  3. Diversification beyond traditional retirement methods in simple stock and bond indices, can provide tax benefits, inflation hedges and exceptional opportunities that are outside of traditional investment strategies.

Here, we’ll write about what we learned and continue to learn on this income stream adventure. We’re excited to share resources and unbiased information with you that we find valuable based on over six combined decades of personally investing in stocks, bonds and real estate, and now over twenty combined years as online entrepreneurs.

Our humble mission is to inspire and motivate others who may want to create income streams ahead of retirement while working when and how they want. Most days we can be found in our home office space, on the hiking trails with our white labrador, Blanco, or enjoying life with our sons.

Retire Certain Financial Blog Camille Gaines Larry Gaines