Why Having More Is Not Enough

Picture your dream life. What does it look like? I used to think it looked like a corner office in the city and a big house with a luxury car parked right out front. Fast forward several years, and I find out what it costs to have all those things. Whether it be time, money, or our peace of mind, we are going to sacrifice something. And there is nothing wrong with making those tough decisions if it is something you really want. If you don’t know what you want, start by checking out my post on What Does Retirement Mean to You. Start thinking about what’s actually important to…(read more)


How to Invest in Yourself When You’re Tight on Money

Saving for your future can feel like giving up your now. You’ll be faced with tough decisions between saving more, investing in yourself, or living that YOLO life. But does it need to be that hard? Do you ever feel like you’re missing out? I’ve been fairly vocal about how I feel about the traditional retirement plan of working until I’m 65 years old. It’s not for me. I want to be able to enjoy every stage of my life. I’m not willing to gamble my life away hoping that there will be light at the end of the tunnel. So how do I invest in myself now and save…(read more)


Stop Avoiding Debt

So far we’ve touched on saving, investing, retirement, and mindset. Today I want to talk about the “darker” side of finance. I came across a Pinterest post a few days ago that shared 4 financials tips for millennials. The second tip was to “avoid debt like the plague.” Debt is often discussed with negative tones and seen as a bad habit. While that is definitely true, there is another face to debt that is not shared enough and that is that debt is a powerful tool that can propel you towards financial freedom. That’s right. Debt can be a powerful tool that can propel you towards financial freedom. There is…(read more)


What Does Your Money Say About You?

I can’t quantify how many times I think about money. It is a constant presence and plays a big role in almost any decision that I make. Two years ago, I wasn’t worried about saving for my future. I was too caught up in trying to figure out what I wanted to do. I never realized that through properly managing my money, I could pretty much eliminate most, if not all, of my financial concerns. Learning about financial freedom has taught me to invest more in things that are important to me, which is the most rewarding part of this entire journey. So in today’s post, I want to dive…(read more)


What Does Retirement Mean to You?

Do you have a retirement plan set in place? If not, you really should. And if your current retirement plan is to work until you’re 65 or 70 years old, then you either need a new plan or a backup plan. I was sharing my personal finance journey with a friend and she told me that her plan was to work until she could retire. How can you guarantee that you can work until you’re 65 years old? You can’t guarantee that you’ll be in good health. What if you get fired or laid off? It blew my mind that she wasn’t worried about these things. She accepted the traditional idea…(read more)


Should You Save More or Earn More?

The save more or earn more dilemma is one of the biggest questions in the personal finance world. It’s up there with “should you invest in a Traditional IRA or a Roth IRA?” I was originally planning on naming this post, “Why Having More Isn’t Enough,” which makes it pretty obvious where I stand on this issue. If you aren’t familiar with the save more or earn more dilemma, it is whether you should prioritize saving more of your income or earning more money. There are merits to both sides but I think at its core, it’s more important to save more of your income. Save More vs Earn More…(read more)


3 Credit Cards You Need in Your Wallet

Credit cards can either be your best friend or worst nightmare. When used wisely, credit cards can help build your credit score, increase your spending power through points/miles, and provide extra benefits. On the other hand, if you abuse this power, you could be drowned in an ocean of debt. Yet, I’m shocked whenever financial experts advise people not to have credit cards without telling the full story. I’m a huge fan of credit cards. They provide amazing benefits that help me take my travel-game to the next level. Before I tell you the 3 credit cards you need in your wallet, I need…(read more)


5 Financial Resources That Changed My Life

Before I started on my financial journey, I didn’t know anything about personal finance. In my previous post, Not Investing? Big Mistake, I shared how witnessing my parent’s failed investments affected my views on investing. I kept all of my savings in a savings account and out of the market. But two years ago, I found 5 financial resources that changed my life. Think I’m being dramatic? Nope. If I didn’t change my mindset, I’d probably work until I dropped dead. These financial resources taught me the importance of understanding my finances as well as the best practices for saving and…(read more)


Not Investing? Big Mistake.

If you aren’t investing your savings, then you are making a huge mistake. I know this because I was making the same mistake two years ago. I, like some of you, saw the downfall of my parent’s investments during the Dot Com Bubble, and more recently, the Financial Crisis of 2008. At that time, I told myself that I was never going to invest in the stock market. It seemed like such an unnecessary and horrible gamble to make. What I learned two years ago completely changed my perspective on investing. If you aren’t investing correctly, then it will more than likely ruin your life. Now, that…(read more)


How I’m Saving Half of My Income

I started saving a percentage of my income back in July 2016. I’ll go into more details of how I became interested in saving money in a later post, but for now, this story starts in July 2016. I was working as an Administrative Assistant at a government organization in the San Francisco Bay Area. My monthly income was about $2,500 after-tax (give or take a few hundred). I was on a temporary contract, so my monthly income would vary depending on the number of hours I worked. Being a fairly frugal person, I was still able to save at least 50% of my income each month. I’m currently working…(read more)