FIRE Entrepreneurs

Helping aspiring FIRE (Financial Independence, Retire Early) families build freedom through real planning, wise decisions, and business ownership they actually understand.

At 3:23, we work with individuals and couples who want to reach financial independence—often through side hustles, small business acquisitions, or early retirement strategies. But the road to FIRE can get foggy fast. Too many people chase quick wins, take on risky debt, or follow advice that doesn’t match real life. We help you slow down, zoom out, and build a plan that’s actually sustainable. For some, that means buying a business the right way—with clarity on what you're getting into, how it fits your lifestyle, and whether the math really works. For others, it's about optimizing savings, designing an intentional exit path from W-2 life, or turning self-employment into long-term freedom. You don’t have to take advice from social media influencers with no skin in the game. We combine real-world deal experience with clear financial planning to help you pursue freedom with wisdom and confidence.

What We Offer

Real-World Financial Planning

We help you design a plan that supports your FIRE goals without sacrificing your family, peace, or flexibility. From tax strategy to savings automation, we focus on cash flow that works in the real world.

Small Business Opportunity Review

Thinking about buying a business or acquiring a franchise? We help you run the numbers, assess risk, and decide whether the opportunity aligns with your values and vision.

Self-Employment and Exit Strategy Design

Whether you're leaving a W-2 or growing your own business, we help you plan around inconsistent income, set up the right accounts, and chart a path toward financial freedom on your terms.

Debt Strategy and Capital Stack Planning

We walk through SBA loans, seller notes, and other acquisition financing options with you—clarifying what’s smart, what’s risky, and what makes sense for your season of life.

Accountability and Decision Support

You’re not in this alone. We act as a second set of eyes to help you stay grounded, avoid hype, and keep building your future one smart step at a time.

Ready to learn more?

Here’s some good news: you can start saving today. Simply fill out this form to connect with our team. Our providers will reach out to help you save money, get great coverage, and grow your assets.

Ready to learn more?

Here’s some good news: you can start saving today. Simply fill out this form to connect with our team. Our providers will reach out to help you save money, get great coverage, and grow your assets.

Ready to learn more?

Here’s some good news: you can start saving today. Simply fill out this form to connect with our team. Our providers will reach out to help you save money, get great coverage, and grow your assets.

Helping aspiring FIRE families build freedom through real planning, wise decisions, and business ownership they actually understand.

At 3:23, we work with individuals and couples who want to reach financial independence—often through side hustles, small business acquisitions, or early retirement strategies. But the road to FIRE can get foggy fast. Too many people chase quick wins, take on risky debt, or follow advice that doesn’t match real life. We help you slow down, zoom out, and build a plan that’s actually sustainable. For some, that means buying a business the right way—with clarity on what you're getting into, how it fits your lifestyle, and whether the math really works. For others, it's about optimizing savings, designing an intentional exit path from W-2 life, or turning self-employment into long-term freedom. You don’t have to take advice from social media influencers with no skin in the game. We combine real-world deal experience with clear financial planning to help you pursue freedom with wisdom and confidence.

Real-World Financial Planning

Small Business Opportunity Review

Thinking about buying a business or acquiring a franchise? We help you run the numbers, assess risk, and decide whether the opportunity aligns with your values and vision.

Self-Employment and Exit Strategy Design

Whether you're leaving a W-2 or growing your own business, we help you plan around inconsistent income, set up the right accounts, and chart a path toward financial freedom on your terms.

Debt Strategy and Capital Stack Planning

We walk through SBA loans, seller notes, and other acquisition financing options with you—clarifying what’s smart, what’s risky, and what makes sense for your season of life.

Accountability and Decision Support

You’re not in this alone. We act as a second set of eyes to help you stay grounded, avoid hype, and keep building your future one smart step at a time.

Real-World Financial Planning

Small Business Opportunity Review

Thinking about buying a business or acquiring a franchise? We help you run the numbers, assess risk, and decide whether the opportunity aligns with your values and vision.

Self-Employment and Exit Strategy Design

Whether you're leaving a W-2 or growing your own business, we help you plan around inconsistent income, set up the right accounts, and chart a path toward financial freedom on your terms.

Debt Strategy and Capital Stack Planning

We walk through SBA loans, seller notes, and other acquisition financing options with you—clarifying what’s smart, what’s risky, and what makes sense for your season of life.

Accountability and Decision Support

You’re not in this alone. We act as a second set of eyes to help you stay grounded, avoid hype, and keep building your future one smart step at a time.