“You do not rise to the level of your goals. You fall to the level of your systems.” - James Clear

Hello,

My name is Josh Skibba. I am a practicing cardiologist  in Kentucky.

I believe that a simple system practiced over a long time horizon is a recipe for success.

Complexity is the enemy of any operating system, including those related to personal finance.

The accumulation of wealth is possible through simple, consistent financial practices.

This site is a space to share my thoughts on financial matters.

I hope you enjoy exploring this site with me.

Warm regards, Josh Skibba, MD