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Take control of your financial future and reach financial independence on your terms.
Our mission is to give beginning investors clear, research-based financial foundations so they can take control of their own financial future.
Meet Our Financial Coaches
Discover the dedicated professionals who bring financial literacy to life with expertise and clarity.
Ty Druse:
After retiring early at age 45 through consistent, conservative investing, I founded seedtoinvest.com to help others achieve financial independence on their own. Holding a PhD in Education alongside a Doctor of Physical Therapy degree—and backed by years of experience as a healthcare professional, professor, and executive CEO managing operations and budgets—I have a deep commitment to teaching and structured investing.
Early Investing Years: I started investing at the age of 14. Back then, stock information was only accessed through booklets. After completing some “research,” I would select a stock and own it for a year or two. In my early 20s, I began investing in large US corporations through dividend reinvestment plans (DRIPs) where investors buy a company stock automatically through recurring investments with dividends being reinvested. DRIPs provided an avenue for purchasing fractional shares at a low-cost before major brokerages offered fractional shares. I would purchase $50 of a stock a month until the balance was $3,000 to $5,000 and then move on to another stock.
Working Career & Savings Discipline: During my working career, I saved between 50-65% of my salary for investment purposes and invested in individual stocks, mutual funds, and eventually ETFs. I didn’t make six figures until the last 5 years of my career. In fact, I had a modest salary for the first 12 years of my 20-year working career. But I was a persistent investor focused on retiring by 45 and shooting for a spending target of $100,000 per year for the rest of my life, without exceeding 4% of the principal invested.
Portfolio Approach: I have personally found that an account consisting of well-diversified ETFs is key to the foundation of any portfolio. However, I enjoy using 10% of my total assets to invest in individual stocks that I believe will be successful (a strategy best considered after building your foundation and gaining experience). Additionally, real estate income was a generous revenue stream for me, as I purchased three rental properties in my 30s for cash and sold them a decade later.
Why this Site is Free: I’m asked frequently why I spend my time and resources on a website that is 100% free. There are three primary reasons: 1) I have a passion for teaching financial information, 2) I hope to give back to the society that allowed me to retire comfortably in my 40s, and 3) I want others to learn from my mistakes.
