Call me Wil. My friends call me Wil anyway. I have been very blessed with my life because I have been working so hard over the past couple of years. I am saving so that I can buy a new house. I have plans to settle down; I have been discussing this with my girlfriend of six years for a long time now. I own an HVAC store and I have been a major provider of various products such as ductless air conditioner units, door air curtains, mars air curtain units, ductless mini split units, gas furnace and gas furnace systems. I live as frugally as possible because in this world you will never know when the things that you have really worked hard before will disappear so suddenly. So I think it is important for me to have a financial planning that uniquely applies to my situation. I credit my dad for giving me a great financial advice when I was just starting to work.