About Dale & Shirley Guiducci
We met in 1994 when we were both working in southern California with a network marketing company. Although neither one of us enjoyed much success with that company we established a life long partnership in love, marriage, friendship and business. We've been so fortunate in many ways and we want to share that good fortune with you. The opportunity to be able to work together as a couple is something we love to do! We get to work from home everyday and make our own schedule. And, we don't work as hard as we used to giving us time to travel and enjoy life more.
As I (Dale) approach retirement age, we've determined that we both can retire even though Shirley is 10 years younger. We've done a lot of research on the topic and found that if we set it up right, we can have the income we need to enjoy the lifestyle we want. And, we can live where we want.
It's a different retirement plan than we used to envision and that most picture for themselves. But it's exciting and we want to take you on that journey with us.
So stay tuned for more. Subscribe to our blog at the bottom of any page. We'll show you what are plan is and how you can accomplish it too. We hope we can help you live the life you desire in your "freedom years".
The Recession Was the Best Thing That Could Have Happened - But We Didn't Know That Then
For the first 10 years of our marriage we had corporate jobs. Shirley was a CFO for a real estate development company in San Diego making great money. I was a Regional Manager for a home oxygen provider and traveled extensively most of the month. Our combined incomes allowed us to buy our first home together and then trade up to a beautiful 3,200 s.f. dream home. We had 3 rental properties and money in the bank. We vacationed in Hawaii twice a year. Life was good. In fact, our 5 year plan was to keep putting money away and then sell our San Diego real estate and head for Maui or Kauai.
Then the banks failed and the bottom fell out of the real estate market. I was laid off from my job and 9 months later Shirley joined me in the ranks of the unemployed. Her real estate development company was barely breathing. We went from making a great deal of money to living on our unemployment checks. No one was looking to hire a 50+ year old guy like me and Shirley's experience in real estate finances was of no value either.
Personally I made a decision that I wasn't going to back to work for anyone but me. This wasn't the first time a company's fortunes had changed and I was cast aside as a result. Taking control of my financial future became a priority even though it was obvious that it was going to be a long road back. I started a few different ventures between 2008 and 2010. Finding homes that were going into foreclosure and negotiate with the bank for a loan modification or short sale seemed like a good idea. Unfortunately the banks were not ready to talk about loan modifications or short sales. It seems I was a few years too early. I tried other businesses but nothing was going to produce the kind of income we needed nor desired during the recession.
Shirley didn't have any success finding a job either. So I suggested that she start her own bookkeeping and accounting business. Which she did, and did well. She built that up over a couple of years to over 50 small business clients. I had joined her in 2011 to help her find some of these clients. There was only one problem. We still needed to earn more income and Shirley was maxed out with her time. She was already working 12 hours a day 6 and sometimes 7 days a week. Things continued to spiral downward for us. We couldn't make our $3,000+ per month mortgage payment and afford everything else it takes to live in San Diego.
It was clear that I needed to find something quickly. But the prospects in that economy were not good. We thought long and hard, and decided that perhaps we could develop some residual income by offering other services to Shirley's existing clients. During this search, Shirley had mentioned that a lot of her clients needed to improve their credit. I kept my eyes and ears open for that type of service and finally was exposed to an opportunity to start my own credit restoration business which we launched in 2012. Since then that business has helped right the ship and far more. Shirley joined me in that business part-time and then eventually shut down her accounting business to join me full time.
We eventually had to short sale our home in San Diego and give up our rental properties to foreclosure. It was time for a fresh start so in 2014 we moved to Largo, FL and love it here! Part of loving it here is the far lower cost of living. As well, there are so many adventures to experience in Florida. The Gulf of Mexico is in our back yard. We walk and run to Indian Rocks Beach and back. The bike trails, rivers and lakes provide a myriad of great day trips and weekend road trips. This was the best move for us. It allowed us to catch our breath and regroup.
We had done well with our credit restoration business and won numerous awards. I was asked to train others that wanted to be in the same business. That experience led me to an opportunity to check out a new company that was looking for someone to train their people. So, in March of 2017 I flew down to Dallas to see what this company was all about. We never put a deal together to train for that company but something happened along the way. I fell in love with the people, the products, and the culture of this company.
Shirley eventually tried the products and met the same people I was raving about. And she fell in love too! But there was a dilemma. Which one of us was going to keep running our existing business? We couldn't give up a strong six figure income to start a new venture. So, we decided that Shirley would run that new business. The biggest factor was that she had experienced significant relief from debilitating symptoms due to menopause from the products this company offered. As you'll read in our blog, these products also have helped people with anxiety, depression, chronic pain, obesity and many other issues. She developed a passion for helping others because of her own results. Since March of 2017 she has helped hundreds of people and built that into a solid income which has added to what we can do to fund our retirement among other things.
So, that's where we are at the present time. We love what we do. We both work from home right down the hall from each other. And, we're making plans for slowing it all down and 'semi-retiring' in the Caribbean. I say semi-retiring because again, we love what we do! We control our schedule and take time off when we like. Both of our businesses produce residual income, and we can operate them from anywhere there is cell and internet service.
The recession had a devastating effect on us and millions of others. But ultimately it led us to where we are. The late Dr. Robert Schuller said, "Tough times never last. But tough people do." I guess we were tough enough. And, our marriage was strong enough. In fact, we are closer today than ever before.
Want to Find Out What We Do?
If you're looking for a part-time or full time income that you generate from home, it's well worth your time to see what we do. We are just average folks that plugged into a system and a great group of people. You can too. And, we'll show you how.
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