Jan M. Long

Hello and welcome to the Wealth Formula website. As your mentor, it is important that I tell you a little bit about myself so that you will have some context for the information you will find on this website. I grew up in a middleclass family in Joplin, Missouri. My dad was a building contractor early in his career, and then later opened a small paint and floor-covering store. Though both business ventures were successful, we were far from wealthy, but it did provide me with an education in how to prudently handle money. I received my academic background at institutions in Nebraska, and California. Ultimately I received 3 degrees--a Bachelor of Science degree in Business Administration, a Master's degree in Health Administration, both from Loma Linda University, and a Juris Doctor degree in law.

In terms of career, I was on the faculty of Loma Linda University for a number of years, and adjunct professor at University of LaVerne. I got my financial feet wet as a principle in a couple of construction projects, and have active experience in both real estate and security investments. Nevertheless, the majority of my career has been with county government, first with the District Attorney and then with the Department of Child Support Services.

In 1995 I was middleclass by almost all measures. I had a middleclass net worth, and lived in a middleclass neighborhood, drove a middleclass car, and had a middleclass income with a bank account to match. This should have been a comfortable position to be in for as I already noted, I grew up middleclass. Yet I had a strong desire for an elevated level of living that my, then, status was not inclined to allow.  

Even though I received a good solid education, I ended up in a less than dazzling career in a large county government bureaucracy. You have probably noticed that most bureaucrats do not end up wealthy, and I was certainly on that track. Yet by many measures I have entered the realm of the upper class. I acquired a Lexus and a BMW, moved into a multimillion-dollar home, which is located in a multimillion-dollar neighborhood, all while working as a bureaucrat. More telling, however, is the fact that my net worth is now well into the seven figures.

How did it happen?

For a very long time I had, had financial dreams and goals for myself, but about 12 years ago, around 1995 I was in my forties, and beginning to conclude that those goals might be unattainable unless I made some changes. It was from this context that I began assessing my career path and income prospects and decided that if I were to have any hope of escaping to a more elevated level of living I would need to make some changes. One possibility would have been to move to a new employer offering a more exciting and promising future, but this would have meant much longer commutes, which can significantly impact one’s quality of life in Southern California traffic. Assessing my options I chose to stay in my less-than-dazzling government job, but embarked on a plan to acquire real wealth by employing the principles of mathematics. As a direct result of this strategy, as noted above, a few things have changed since 1995.

Before we get into the strategy itself, let me say that I determined from the outset that this plan would not include any of the popular concepts for the acquisition of wealth frequently peddled—lottery play, or other forms of gaming such as poker or blackjack, multilevel marketing schemes, or slick sales techniques, etc. Instead, I turned to mathematics in order to come up with a winning formula.

What I hope to do in the following pages is to provide details of the Wealth Formula which have proven very successful for me, and it is my belief that the formula can work for you as well. Fortunately, it is not an extremely complicated formula, but it’s one that has the capacity to make millionaires out of virtually anyone with a middleclass income who follows these mathematical principles. That is because first and foremost, it is a formula that possesses mathematical integrity. What this means is that the mathematical principles I have used to create my own wealth can be used by anyone with a normal aptitude and living situation in order to create wealth. These principles are offered and developed forthwith.   

            All my current neighbors are millionaires and my current next-door neighbor acquired his wealth by splitting a $38 million lottery a few years ago with one other person (incidentally, I do not advocate playing the lottery as part of a strategy for the acquisition of wealth—in fact, quite the contrary). In the instant case, my neighbor and the other winner ended up with approximately $19 million each before taxes.

Both of these winners are sort of case studies in the attitude toward money. My neighbor built a large home, bought a beach house, and has invested most of the rest of his earnings in mutual funds, stocks and bonds. I am told that the other winner went on a spending spree, ended up in debt, and has since filed for bankruptcy. Both lotto winners were originally financially set for life. But one winner (my next door neighbor) was prudent enough to maintain the financial discipline to make sure that he stayed set for life, while it seems that the other winner lives out a destiny of being born into modest means and will likely end up at the end of life with nothing to show financially for the fabulous break the lottery had provided. 

This small website concerns itself less with income than it does with the end result—net worth. In fact, there is a method for acquiring significant wealth in spite of an unremarkable income. In the final analysis, net worth is really the most important thing, and I will giving you tips on how to improve your net worth even if your income does not support the idea that you will ever have a sizeable net worth.

Well, that's my story, now let's see if we can create an amazing story for you as well. My goal is to help you create your own success story and I will be here to help you along in this journey.

Warmest regards,

Jan M. Long