I spent 32 years in Corporate America managing billion-dollar accounts for the federal government. I was excellent at building other people's empires. I just wasn't building my own.

I had a financial advisor. I had a 401(k). I had good income. What I didn't have was financial curiosity — I never asked the right questions, never did my own research, never took ownership of my retirement strategy.

That was on me.

In 2019 I took a buyout. COVID gave me two years to think. I found private money lending — and in less than 8 months, I earned six figures.

The wealth was always available. I just wasn't educated enough to find it.

ST Investments VIP exists so that lesson doesn't cost you 32 years.