About

Hi, I'm David.

I write about personal finance, productivity, and the craft of building a life of freedom — sharing the real lessons from my own journey to financial independence.

RTW Universal is the home for that work. I've published more than a hundred articles onMedium across publications like Towards Finance, Write Your World, and Write A Catalyst — covering wealth building, early-retirement mechanics, tax strategy, and the mindset that makes the numbers work.

What you won't find here: hot stock tips, crypto moonshots, or "one weird trick" content. Everything I write is general education drawn from experience and research — the kind of thing I wish someone had told me earlier. It's not personalized financial advice; your situation is yours, and big decisions deserve professional guidance.

Why "RTW"

RTW stands for Road To Wealth. The name is the thesis: wealth is a road, not a lottery ticket — and the destination isn't money. It's generational wealth as a foundation for freedom: the flexibility to spend your one life on the things that matter most. Everything I publish here is a field note from that road.

Get in touch

The best way to follow the work is the newsletter. For anything else, write to dsuzana@rtwuniversal.com — I read everything.

RTW Universal is published by RTW Universal LLC.