I'm a fairly young investor (35 as of 2012) and have been interested in investing since high school. Unfortunately, due to poor job choices, a divorce, and digging myself out of debt, I have been unable to take advantage of compounding since that time, but the past is the past and I'm ready to go now. I've been a very frequent reader of SA and have changed from a speculative investor to a growth investor to what I think is something that perfectly suits me, a dividend growth investor. I currently have a ton of cash sitting on the sidelines, slowly building a shopping list of high-quality dividend growth companies to start building a long-term portfolio when they go on sale. My goal in investing is to create an income stream equal to or greater than my expenses, which would allow me to retire (become financially independen) at at that time if I so choose. I am amazed at the amount of quality individuals who post regularly on this site and am amazed it is all done free of charge. SA has quickly become one of my favorite sites, and I usually have it open in the background all day. I want to thank all the authors for sharing their knowledge with everyone.