“She’s not chasing two jobs anymore"

My name is Michael Simmons. I put in 40 years at the local utility company—rain, snow, holidays, it didn’t matter—I showed up. When I retired, I thought I’d finally breathe easy. But retirement on a fixed income wasn’t what I pictured. The bills got paid, but the freedom? The extras? The ability to say “yes” to life? That was missing.

One day my wife looked me dead in the eye and said,

“Babe, you gotta get a job—or we need to come up with something.”

That lit the fire.

Soon after, I started noticing medical courier vans rolling through town. I thought, “That looks simple. Solo. On my own time.” The idea of no boss, no drama, and working on my own schedule sounded like freedom. What I didn’t realize was that courier work could grow into a full-fledged business.

I started researching medical courier opportunities. With a clean driving record and background, I qualified easily—but I wasn’t feeling the whole job application route. That’s when my wife and I asked the better question:

“Why work for someone else when we could build our own business?”
 

We prayed, researched, and took it one step at a time. No mentor. No playbook. Just grit, faith, Google, and a vision. And as we figured it out, we documented everything so others wouldn’t have to start in the dark. 

That’s how Courier Ca$h was born.

Now maybe you’re thinking, “If I start, won’t I become your competition?”
Not at all. Look around—how many gas stations, grocery stores, or delivery trucks do you see every day? There’s more than enough work for anyone willing to hustle, stay consistent, and follow the blueprint in these pages.

From day one, we gave this business to God—the routes, the clients, the income, even the people who would pick up this guide. Proverbs 3:6 says,

“In all your ways acknowledge Him, and He will direct your paths.”
That became our business plan.
 

Our company, Hikari Gateway, carries that vision forward. Hikari means “brilliant,” and that’s what this business is about—showing up with purpose, excellence, and integrity while walking the path God lights for you.

Now it’s your turn. Whether you’re retired, side hustling, or just tired of punching someone else’s clock, this business offers freedom, flexibility, and ownership. I didn’t have a degree or a big bankroll—just a car, a work ethic, and a prayer. God honored it.

Here’s what you’ll learn in this guide:
    • How to start legally and professionally
    • What to charge and how to price routes
    • The certifications and insurance you’ll need
    • How to land clients and build trust
    • And most importantly—how to stand out in a crowded field

No fluff. No hype. Just facts, tools, and a clear path forward.

Remember—you’re not building alone. You’ve got the plan, the blueprint, and God’s favor backing you every mile.

Pray. Plan. Proceed.

This business can be up and running in 30 days—but your speed depends on your focus. 

Don’t rush. Build smart. Build steady. Build strategically. 

That’s how you win.

After 40 years in the utility industry—12 of them as a Maintenance Inspector managing routes, safety inspections, and equipment transport—I’ve learned that structure and consistency are everything. 

At 64, I now work on my terms, set my own hours, and build a legacy for our five children and twenty grandchildren.

My wife, Dr. Terri A. Simmons, is an entrepreneur, educator, and life coach with decades of experience helping others build sustainable businesses and balanced lives. Together, we’ve merged my real-world logistics background with her business and coaching expertise to create a clear, encouraging, and actionable guide for aspiring couriers ready to take control of their time, income, and future.

Our mission is simple: to help ordinary people discover extraordinary independence—one delivery at a time. 

So, let’s hit the road.
God’s got you—and you’ve got this.

— Michael Simmons, Sr.
Founder, Hikari Gateway & Courier Ca$h