Yes, it’s true!
Ed Mills and his wife have spent
the bulk of their working lives as
teachers in Georgia.
They’ve used some unusual
techniques to become
millionaires—all while living a life
they wouldn’t trade for anything.
Photo: Facebook page for Millionaire Educator
Though the salary was just $40k per year…
It was not taxed!
Use of housing and a car were included
free of charge!
After three years, their student loans were entirely
After two more years, the couple’s net worth was
Back in 2002, the couple earned $85,000 combined.
From 2002 onward, the couple maxed out their
403(b)s and IRAs (Traditional or Roth)
From 2005/2006 onward, they maxed out their 457
accounts (which allow for penalty-free withdrawals),
a Coverdell Education Account (for their son), and
their school-sponsored annuity.
From 2012 on, they maxed out a family Health
Savings Acct. (HSA).
Photo: Sarah Stierch, via Flickr
Ed eventually earned two Master’s degrees and a
His wife eventually received her advanced degrees
Ed estimates this led to an automatic 25% bump in
their yearly salaries.
What is Geographic
A simple definition
Examples of Geographic
We already covered how this:
Allowed the couple to pay
off student loans.
Amass a net worth of over
$100,000 before moving
back to the United States.
After teaching in LaGrange for
seven years, the couple moved
to rural south Georgia for 3
Living expenses were
The couple added
$250,000 to their nest egg
via savings and investment!
A Notable Side-
Because of constantly
shifting jobs, they were
allowed to roll over their
• They had many more
• This also reduced fees
The Key to Savings
As you might have guessed, Ed and his wife don’t
need much to be happy.
At one point, the couple earned $100K per year, and
was able to save over 60% of that pre-tax salary!
The couple splurges on travel—usually
Last year, they took months off of work to visit
Cancun for an extended period with their son.
By living well below their means, Ed and his family
enjoy complete freedom of time, and are generally
immune to financial stress.
More Retirement Help
Ed was able to help his family by doing
extensive research on different ways to
boost his retirement savings.
We’d like to help you do the same. Check
out our special free report…