Joshua Krafchick
Founder, 369 Financial | Host, Unconventional Money Moves
A fee-only fiduciary who earned a degree in Actuarial Science, then lost nearly all his savings on a failed business, not the stock market. That contradiction shapes how he now helps clients make financial decisions built to survive being wrong.
Categories
Talking points
- I Knew Finance. I Still Lost Nearly All My Cash.
- Why Smart People Still Make Bad Decisions With Money
- What Happens If You're Wrong?
- The Goal of Wealth Is Not More Wealth
- Why 'What happens if I'm wrong?' beats 'What happens next?'
- Why a good financial strategy should not depend on being right all the time
The hook
I knew the math. I still lost the money.
Joshua Krafchick holds a degree in Actuarial Science and built his career in finance. Then he patented a golf invention, built a business around it, watched it fail, and lost nearly all the cash he had accumulated, not in the stock market, but through entrepreneurship. That contradiction changed how he thinks about money: financial knowledge is not the same thing as financial judgment.
Bio for your show notes
109 wordsJoshua Krafchick is the founder of 369 Financial, a fee-only financial advisory firm helping tech professionals and executives make sense of concentrated company stock, equity compensation, and the financial decisions that come with building wealth.
Joshua earned a degree in Actuarial Science and began his career in financial services before founding 369 Financial in 2020. He created the firm around a simple idea: financial planning should start with the person, not the product.
Today, Joshua works with clients whose financial lives involve overlapping decisions around company stock, taxes, liquidity, career changes, investing, and family goals. His approach helps clients understand how the pieces of their financial lives fit together.
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