About Julia

RETIREMENT – now life begins.”

~ Catherine Pulsifer

Welcome to LiveWealthyRetirement.com!
My name is Julia.

Julia, the founder of LiveWealthyRetirement.com

You must be visiting my site because you want to enjoy your retirement age to the fullest, stay healthy and be free of worries regarding paying your bills. So do I. Whether you still have many or a few years before your retirement, you’ve reached that age already, or would like to retire early, I firmly believe that I have a solution for us all.

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The problems we are facing as we are aging

Baby boomers’ are defined as people born between 1946 and 1964. Experts believe that the baby boomers’ generation as it is aging will put a strain on the social welfare system in the United States and some other developed countries. I am just a few years younger than a baby boomer. Does it mean that by the time I reach my retirement age, the social welfare budget will recover, and I should not worry about my financial well-being? Of course not!

During the past couple years I thoroughly researched the opportunities to help people find suitable solutions for their financial freedom and independence as they get older.

The deficit in social welfare for the retirees is only one of many worries of the aging people. As we get older, we hope that since we’ve raised our children we’d have more time and money for ourselves, but then many of us may have to take care of our elderly parents, or someone else, who is deeply loved, and needs our care. Our own health may decline, and certain occupations are no longer an option when we get over-the-hill.

Job interview cartoon
“We’re looking for someone with the wisdom of a 50-year-old, the experience of a 40-year-old, the drive of a 30-year-old, and the pay scale of a 20-year-old”

Even if you are the lucky one whose health is still perfect, the energy level is sky-high, nobody depends on you, and you can continue working and saving for your retirement, there is always a chance of suddenly losing your job. If that happens, it’ll be difficult for someone over 50, if at all possible, to find another employment – just because of the age. No, nobody is going to tell you that. Employers know that they need to be politically correct, and they can’t discriminate over age. They won’t! They will find you overqualified for the position or come up with some other neutral reason to hire a younger candidate. Does it sound familiar?

Who is Julia?

I was born, grew up, got married and gave birth to my baby-boy in Saint Petersburg, Russia. Our son was born with severe disabilities, and my husband and I decided to immigrate to the United States seeking to provide a quality life for our child. While our son was little, he’d spend most of the day in school and my mother would take care of him after his return home until my husband and I came from work. I worked as a Software Engineer for almost 20 years. Now our son was out of all schools. He graduated from Berklee College of Music in 2014. He is a professional musician and has performed in many States of the United States and in Canada. At the same time, he is still dependent and needs care, help, and supervision with many daily living activities. His grandmother is unable to take care of him anymore.

If you’d like to read a more personal story about my family, please click here.

My last employment was fantastic! I had worked from home, which means that I had a more or less flexible schedule and could keep an eye on and help my son when needed. My 6-digit earnings from the last job paid his college tuition. My benefits were terrific. However, our department was acquired by another company, and we were warned 3 years in advance that our positions will be terminated. During these three years, I didn’t even look for another job, because I knew that I wouldn’t be able to find anything that would fit my needs as well as my current job does. In 2015, a year after my son’s college graduation, I lost my job.

My husband’s salary alone is not enough to support the family. Our son needs someone to be home with him at least a part of a day. I am at the age when I am “overqualified” for the positions. And even if I could get another employment, it would be full time in the office, at least for the first year or so. Telecommute may become available once a new employee earns trust, but not right from the beginning. It makes sense, except that my son can’t wait until I earn that trust.

My Research, Learning and Financial Planning Experience

I decided against returning to my career as a Software Developer. I started looking into other income-earning opportunities and also I finally had time to look into our retirement savings, and think about where my husband and I stand financially when neither of us is able to work. In other words, I analyzed, reorganized and further managed our financial planning for the retirement. In order to do this, I needed to learn.

Julia and friends at WFG Office in Lexington, MA
Julia and friends at WFG Office in Lexington, MA, USA

Just in time, at my son’s music gig, I was lucky to meet people, who were specialists in the financial solutions. They were World Financial Group associates (WFG is a Transamerica Company). We became friends. At first, I joined WFG to use their system for learning all I needed to know for my own family financial planning. Later, since I’ve already achieved a good amount of knowledge, I extended my studies to obtain the Life and Health Insurance Producer’s licenses. I passed both State exams with a high score on my first attempt. These licenses allow me to become an independent insurance producer, and my WFG membership opens the door to become their associate. What does it all mean to me and my family? It means that I could start my own business, be my own boss, create my own schedule, control my workload, and be able and available to take care of my son.

However, I soon realized that despite my interest, knowledge and an excellent ability to understand finances and people’s needs, I was missing one important skill needed to become a successful insurance broker. I wanted to help people with their financial planning, but I didn’t know how to find those who need my help. Not only this skill was missing, I had no desire to develop such ability. I don’t see myself offering my services to all my friends and all strangers I meet, or even mentioning my new occupation to everyone.

More Research and Learning

Online Marketing at Wealthy Affiliate

I went back to my computer and started a new research. How do I let people know about my area of expertise, and have them contact me if they need my help?

Wealthy Affiliate LogoNot from my first try, but I found something absolutely astonishing: Wealthy Affiliate (WA). You can read my full review here. In short, WA is an all-inclusive training platform, which teaches its 850,000+ world-wide active members how to create a successful online business. This could be an affiliate marketing, an e-Commerce store, your own membership-based training program, etc. There was more learning for me to do, and I am still in the process, but WA has an answer to my question above. Wealthy Affiliate training teaches how to bring organic traffic to your website utilizing SEO technique. Jaaxy logoWA provides to its members a powerful keyword research tool – Jaaxy. The website you are visiting and my other gemstones website are both being developed within WA training, using their tools, and both are hosted by WA.

“Sit back and relax and do the things you never got a chance to do.” 
Julie Hebert

LiveWealthyRetirement.com offers its visitors solutions on how to retire early and live hassle-free financially at your older age even if you didn’t start retirement savings when you were young, or at all.

LiveWealthyRetirement.com offers:

  • My hand-picked options for your financial freedom — FREE online advice on your savings, part-time earnings, work-from-home solutions, and passive income.
  • My help and mentorship if you decide to join Wealthy Affiliate and create your own online business.
  • My personal face-to-face FREE consultation to those Massachusetts residents who are seeking solutions and an overview of special benefits available for their financial planning.
  • If you are in any other state of the US or in Canada, please contact me, and I’ll arrange your FREE face-to-face or phone consultation with my colleagues in your local WFG office.

I still have about 15 years until the official retirement age. For the next several years I am planning to work a lot. There is no such thing as easy and quick money – don’t believe anyone who tells you the opposite. They know that’s what you want to hear. They lie. However, in my view, starting your own business that in a year or two brings you over 10K with close to zero investment (under $500.00) – that’s pretty fast. If you were already retired and had a chance to supplement your SSI and IRA by 10K in one year, would you take it? I would.

It’s complicated to start your own business if you don’t know what you are doing. My secret of success lies in using legit platforms that walked me through the steps required to begin.

If you need a hand or have any questions, feel free to leave them below and I will be more than happy to help you out.

All the best,

~ Julia

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4 thoughts on “About Julia”

  1. Born in ’69 I am not a Baby Boomer, so I don’t know what I am. Thank you for sharing your journey to how you came to be where you’re at today. We also have a child that was born with multiple disabilities, which has prevented my wife from earning income from employment. So for the last 18 years, we have survived on my wage alone. Therefore, our motivation is the same as yours to increase our income for retirement and we would like to earn enough to purchase respite care to give my wife a long long earned break every now and then.
    Thank you for sharing your journey. You are honest and trustworthy and I could trust you to help with my retirement planning. I like your suggestion to learn online marketing. A home-based business would suit perfectly a full-time carer or anyone that is required during working hours to fulfill other commitments. I want to live a wealthy retirement. Have a great day. Dave

    • Hi Dave,

      Thank you very much for your comment. Yes, I am like you – walking right behind the baby boomers. We are going to face the same problem as they will unless we take care of our financial future without relying on the government and social security system. The online business is especially beneficial because it creates some passive income. We can’t increase our income just by working harder and more hours. We only have 24 hours per day. Nothing can be achieved without a hard work, but every human being needs enough sleep and therefore we should work smarter rather than push our limits and undermine our health.
      It’s nice to e-meet like-minded people. Thank you for your trust. Yes, I honestly want everyone I meet or e-meet to enjoy their time and have peace of mind when they finally stop working. I also believe that not only caregivers but also many people with physical disabilities, who may not be able to work in an office, could supplement their social security income by earning online.

      All the best to you.

  2. Hi Julia. I love the content and presentation of your website! You did a great job! I’ll certainly be back for more tips and goodness!

    • Hello HHWPurse,

      Thank you very much for visiting and for your feedback. I appreciate the kind words!

      Come back again as my site is rapidly developing. All the best to you.


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