🔎 Looking for a Mission-Driven CTO to Build FIRE Path – A Fintech x Housing Platform That Actually Changes Lives

Hey Indie Hackers 👋

I’m building a platform that bridges financial literacy, AI-driven automation, and affordable housing — all rooted in real-life struggle and long-term wealth building.

🧍‍♂️ About Me:
I grew up poor. My dad skipped meals so we could eat. My mom worked full-time while going to college full-time, trying to give us a better future.

I left home right after high school and lived in a one-room cabin — sometimes going days without food while working low-paying jobs. Eventually, I got my real estate license and worked my way up to become a broker. Over the last 20 years, I’ve helped hundreds of families try to buy homes — and I’ve seen the same heartbreaking pattern again and again: hard-working people locked out of the system because they were never taught how money works.

Today, I’m married with 7 children in a blended family. My mission is simple: help working-class families break free from the paycheck-to-paycheck trap and build real generational wealth.

💡 What I’m Building
FIRE Path – a fintech app that creates a personalized path to financial independence, using automation, AI, and real-world incentives.

It helps users:

Follow a 5–10 year FIRE plan tailored to their income, debt, and goals

Use a simple 75/15/10 model (bills, investing, saving)

Earn WealthCredits as they make progress

Redeem those credits toward affordable home kits (via my other business: Power House Home Kits)

🔒 Full system logic, AI strategy, and financial roadmap will be shared only after NDA.

🛠️ What I’m Looking For
A CTO / technical co-founder to:

Build the MVP (budgeting engine, FIRE planner, rewards system)

Integrate banking APIs + automation tools

Help build a lightweight AI financial advisor

Connect FIRE Path to the Power House Home Kits reward platform

Architect backend/frontend with future scale in mind

💰 What You’ll Get
20% equity (4-year vesting, 1-year cliff)

2.5% of net app revenue, paid quarterly

Full CTO title and ownership

Optional stake in future FIRE coaching platform and PHHK expansions

🧠 Who You Are
A full-stack builder who cares about impact

Fintech, AI, or SaaS experience is a plus

Ready to co-create a product that changes lives

Startup-minded, willing to build lean and bold

📩 What’s Next?
I’ve got a private Notion pitch deck that walks through the roadmap, strategy, and mission — but I’ll only share it after a quick NDA.

If this resonates, DM me here or drop a comment below and let’s talk.

Let’s build something that actually matters.