John Mulder is a seasoned financial professional with over 30 years of experience in accounting, financial management, advisory roles, and business leadership. Holding qualifications from the University of South Africa, he has held senior positions including Financial Manager, General Manager, and Company Director across diverse industries such as insurance, banking, auditing, agriculture, textiles, wine, fishing, recruitment, tourism, and consulting engineering.

Throughout his career, John has worked with and consulted for large multinational companies, providing expertise in financial strategy, operational efficiency, and profitability optimization. He co-founded a successful pet food business with his wife and was involved in early online ventures, including website development and small businesses in recruitment and the oil industry – experiences that date back to the dawn of the internet.

After recovering from heart bypass surgery, John channeled his extensive knowledge into building online income streams, transitioning to full-time digital work. He now leverages his SEO and content writing expertise to create valuable online resources. Currently, he contributes to CapeTourism.com, helping build a robust tourist-focused web portal that supports small and medium-sized businesses in the hospitality and tourism market in the Western Cape, South Africa.

Through John’s Online Guide, he shares practical personal finance and investment advice to help individuals – especially beginners and aspiring entrepreneurs – achieve financial independence, manage money effectively, and build wealth without the constraints of traditional 9-5 employment.

With a passion for location-independent lifestyles and a wealth of real-world insights, John Mulder is dedicated to empowering readers with straightforward, actionable guidance on topics like investing, budgeting, credit management, retirement planning, and more.