Friends – I hope the summer is treating you well.
It’s been a warm one up here in the mountains of Virginia, but I’ve quite enjoyed it. We have spent quite a bit of time down at the river. Here’s a shot of our little access point:

It’s funny – summer doesn’t quite feel as special to the Withrow kids, who have been homeschooled from Day One.
I’ve explained to them how, to me, summer represented my only childhood experience of pure freedom. It was a temporary reprieve from the government school that insisted upon regimenting and surveilling every aspect of my life from early September through early June…
But it just doesn’t register with them. They cannot imagine a world in which they did not have nearly complete agency in their own life and their own decisions.
I’m thankful for that. And I’m forever grateful for those brave homeschool pioneers who blazed the path forward for us here in the United States – back when homeschooling was much more of a dicey proposition.
And speaking of American history, we’re going to take a short break from our American System essay series for the next two weeks or so. We’ll resume – and hopefully complete – the series shortly thereafter.
But in the interim, I want to take some time to shine the light on the world of personal finance and investing… which was originally my impetus for embarking on the American System series in the first place. I’m fascinated by the history of it all, but my ultimate responsibility lies in the investment world.
To that end, we’re going to get back on the investment beat for the next few weeks. And it will culminate with our next Phoenician League strategy session on July 22nd. There, we’ll take what we’ve learned on the macroeconomic front and put it all together from a self-directed investment standpoint.
Specifically, I’m going to walk you through the complete investment framework that I’ve spent the last decade building — the one I use to manage my own money in this new financial era that we are entering.
It’s a system built on five pillars. And the key is that they work together, as one architecture, rather than the piecemeal, one-off approach most people end up with.
We’ll get into how to build a foundation in hard money that can’t be inflated away… how to generate monthly cash flow from actual assets, not paper promises… how to think about owning stocks intentionally instead of just parking money in funds and hoping for the best… and how to keep more of what you build through smart tax and protection structures.
And I’ll show you exactly how to implement all of it — including who can actually help you get each piece in place. Because in my experience, the investment framework isn’t the hard part. The hard part is knowing who to trust… and that’s a gap I’ve spent years closing.
The session will be free and open to everyone. If you’d like to join us, you can get more information at: https://phoenicianleague.com/session
See you there!
-Joe Withrow
