Blogger Profile


Blog Info

Ms. Financial Literacy
Early Retirement
A personal finance blog dedicated to inspiring, empowering & encouraging other women to learn the financial language, find out what's financially possible and take charge of their personal finances.
Start Year:

Blogger Bio

Net worth:
Austin, Texas, United States
Life stage:
DIK (Dual Income, Kids)
Fave $ Books:
Oops! We don't have this blogger's faves, yet. If this is your blog, fill out our poll here!

(Is this your profile page? Update your info here. To update your icon, go to gravatar.com.)

Latest Blog Posts

When I was an inexperienced investor, I spent a lot of time researching potential company stocks and index (or mutual) funds. In retrospect, most of the performance indicators I paid attention to were important for evaluating a purchase. However, expense ratio (a.k.a retirement savings account fees or expenses) was one element I wish I had taken more seriously. I didn’t even know about compounding when I made my first stock purchase ...
Posted: Aug 11 2017 @ 12:43 PM
My family and I recently visited Washington D.C. One day, my daughter and I had an engaging conversation on money, exchange and delayed gratification. And I’ve decided to share that conversation here in hope that you and your children might benefit. The Situation The conversation occurred as the three of us were walking along the National Mall, while passing by the carousel. My soon-to-be-3-years-old toddler loves carousels and Ferris wheels. As anticipated, ...
Posted: Aug 03 2017 @ 11:13 AM
In this article, I share our financial freedom number, our 2017 bi-annual recap of non-W2 incomes and the wealth building strategies we use to grow our daily worth. Our Financial Freedom Number A little over a year ago, I started taking my financial learning seriously (you can read my story here). I read that financial freedom (financial independence) is reached when one has enough passive and/or residual incomes to cover all basic ...
Posted: Jul 07 2017 @ 11:39 AM
The Then and Now In several of the early articles of this blog (such as here, here and here), I mentioned that my husband loves numbers, analytics and investing. And he’s very good at all three. He started educating himself on personal finances, the stock markets and investing while in his mid 20s, and he continues to do so each day. Even though he’s not a day trader, he follows the ...
Posted: Jun 18 2017 @ 7:08 PM
Hello readers. Even though it’s not officially summer, it seems like that’s what’s been on everyone’s mind around here. Pool and BBQ parties are in full swing. I briefly looked at upcoming free family events in the city and there are some great ones I plan taking my daughter to this month. My family and I recently came back from a week-long vacation by the Gulf of Mexico. We spent ...
Posted: Jun 09 2017 @ 10:34 AM
Wishlist and Bucket List Do you recall when you first started having a wishlist or bucket list? I didn’t have one until I was in my mid-20s. Before then, I didn’t desire much. I was simply happy just having the essentials or necessities. I understood my financial situation as a student. My mindset at the time was that my situation was temporary and wanted to focus my attention on doing well ...
Posted: Jun 08 2017 @ 11:44 AM
Our “Fun Fund” My husband and I recently created a “Fun Fund”. And the size of this fund is about 39.6% of our current projected/planned annual expenses. This Fun Fund includes the following categories: travel (we’d like to do two international trips and two U.S. trips per year as a family), gifts, charity, wardrobe items, entertainment and dining (e.g., treating others to meals; we’re already allocating $1,000 outside of the Fun ...
Posted: May 25 2017 @ 3:44 PM
This post brings you another snapshot of our non-W2 incomes reports. We started tracking these numbers back in December 2016. You can view our past reports and why we’re doing this by clicking here. If you’ve been reading our incomes reports, you might’ve noticed some patterns: the total amount vary from month to month and that some accounts do better in certain months than others. As such, it would be very ...
Posted: May 21 2017 @ 3:54 PM
If you live in the U.S. and work for a decent size employer, you’ve probably heard of a pretax 401(k) profit-sharing plan. You can read my previous articles on 401(k) by following this link here. In this article, I walk you through what are after-tax 401(k) contributions and how this is different from a traditional (pre-tax) 401(k) plan or Roth 401(k). I cover how this plan works and why might ...
Posted: May 20 2017 @ 5:20 PM
I love free honest money. I was 10 years-old when I found my first $20 bill on a grassy field. That was shortly after my family and I have immigrated to the U.S. With my parents’ combined income being less than $2,000 a month at the time (providing for a family of 4), you can imagine what that $20 bill meant to me. To say I was super excited would ...
Posted: May 19 2017 @ 3:09 PM


"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

Leave a Comment

To leave a comment about this blog, fill out the following form.