Hi, I’m Todd
A guy trying to figure out how to retire younger with more money and share everything I learn with anyone interested.
Founder of Affluentology
Todd Gehrke is the founder of Affluentology. He has spent more than 25 years in mortgage finance — and over that time, he recognized that a good financial decision requires more than understanding the transaction in front of you. A mortgage affects cash flow. Cash flow affects savings. Savings affect liquidity. And all of them influence the opportunities available to a household.
His mission is to help people understand those relationships, ask better questions, and decide with greater clarity. The goal isn’t to tell people what to do with money — it’s to help them understand their financial lives well enough to decide for themselves.
Early on
I started my professional career as a high school marketing teacher making roughly $20,000.00 per year. I love to teach but couldn’t accept the lifestyle I would have been limited to on that income. Discretionary Income = $0. I had less than no money left after covering all essential expenses (like housing, food, and other necessities) from my disposable income (left after paying all required taxes).
Current
I have been made and lost lots of money on all kinds of random ideas. I will share them both with you. I am not an “expert”. I certainly am not a financial planner. Everything I share here are things I have learned, and how I interpret that information. I will take no credit in your good financial decisions and will take no blame for your bad ones. Be your own critical thinker. My goal is we will, both retire younger with more money than we would have had we not shared and learned together.
Affluentology, LLC · Todd Gehrke · 110 16th Street Suite 1460, Denver, CO 80202 · 720-608-0013 · todd@affluentology.com