Ernesto G. Ventura III is an engineer-turned-finance-nerd who lives by the principles he teaches. After graduating high school in the Philippines, he immigrated to the United States in 2002, earning degrees in Electrical Engineering and Physics from Portland State University before spending 17 years in the semiconductor industry. His drive to master money eventually led him to pass the Series 65 (Uniform Investment Adviser Law Exam) and found Fiery Personal Finance, where he teaches a simple, BS-free framework—spend less than you earn, invest the difference—through his books, audiobooks, and online courses. An Eagle Scout, photography enthusiast, and adventurer, he's explored over thirty countries across six continents. When he's not helping people fast-track their financial independence, he's outside mountain biking, snowboarding, or hiking around the Pacific Northwest, where he lives.