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Working Optional
General Finance
Personal & Family Finance, Investing, Lifestyle, Self-Employment, Real Estate, Immigrant perspective
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California, United States
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DIK (Dual Income, Kids)
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Latest Blog Posts

This post was inspired by Chief Mom Officer’s post I’m Sick Of Christmas Materialism – Instead Let’s Make A Difference #actsofkindness. Reading that got me thinking about all the kindness that others have shown me that has made a difference in my life. Just days before Thanksgiving, it is the perfect time to say thanks... [read more] ...
Posted: Nov 21 2017 @ 11:09 PM
Psst, no affiliate links in this post. So recently I found out that quite a few of my friends don't even have life insurance. To say I was surprised was an understatement. They're in their late-thirties or early-forties with families and jumbo mortgages. Their peak earning years are ahead of them. It's a no brainer... [read more] ...
Posted: Nov 08 2017 @ 10:45 AM
In case you haven’t noticed, the frequency of my posts has dropped dramatically over the last month. I went from 2 or 3 a week down to one or maybe zero. Twitter , I did jump on occasionally but only because of the notifications. I doubt anyone missed me, but I did disappear. Why? Life... [read more] ...
Posted: Oct 17 2017 @ 10:45 AM
After Living Trusts, this is the next one that needs to be on your ‘get to someday before I die’ list. You know you should have it, but just don’t. In fact, I’d even argue that more people have living trusts (and wills) than an investment policy statement (IPS) that they’ve written and/or understand. What... [read more] ...
Posted: Oct 03 2017 @ 11:13 AM
Each week, I publish a list of the best articles I’ve come across. These are generally related to personal finance, investing, family, happiness or just leaving the world better than we found it. Enjoy! Setting Our Retirement Date: Why 55? One of the more “normal” retirements – too late for some in the FI/RE community,... [read more] ...
Posted: Sep 24 2017 @ 11:24 AM
So being a first generation immigrant doesn’t really qualify you as frugal, even though quite a few are. I have a lot of friends who are exactly not that. They make good money, and they know how to spend. That’s not to say they’re up to their eyeballs in debt, because they’re not. How do... [read more] ...
Posted: Sep 21 2017 @ 10:45 AM
Giving financial advice to friends is always tricky. One word: Don’t. Friends who give financial advice willy-nilly, and especially the latest stock tips are potentially trickier. Two words: Run. Slowly (so as not to attract attention to yourself). The funny part is that unlike some of the better known Personal Finance bloggers out there, I... [read more] ...
Posted: Sep 19 2017 @ 10:45 AM
This is the third part of a series on Asset Allocation. Part 1 attempts to explain what asset allocation means and why it’s important. Part 2 dives into diversification and risk that should be taken into account when coming up with an allocation for your portfolio. It should be noted that risk is both technical... [read more] ...
Posted: Sep 14 2017 @ 10:45 AM
There’s a lot on your plate when you first move to a new country for work. Even though you’re comfortable with the local language (English in this case), you still have to figure out where you’re going to stay, buy groceries (and what kind), commute and more. Thankfully, there’s always a network of friends and... [read more] ...
Posted: Sep 12 2017 @ 10:45 AM
Each week, I publish a list of the best articles I’ve come across. These are generally related to personal finance, investing, family, happiness or just leaving the world better than we found it. Enjoy! An Interactive Guide to Early Retirement and Financial Independence An incredible piece of content. Creatively put together, and it hits all... [read more] ...
Posted: Sep 10 2017 @ 10:45 AM


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