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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.
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Austin, Texas, United States
Life stage:
DIK (Dual Income, Kids)
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Latest Blog Posts

The Onset I recently went through a pretty dark period in my life. Back in late 2016, when my husband brought up the topic of early retirement for both of us, I suddenly found myself going down the rabbit hole of fearing there’s “not enough”. By that point, he and I have reached a consensus that we’d be in a great financial position to retire (for both of us) within the next ...
Posted: Sep 29 2017 @ 10:42 PM
REFLECTIONS I published the first post on this blog about a year ago (on September 18th, 2016). Since then, my family and I have gone through lots of changes. Back then, I wrote in this article that my husband and I would be looking at early retirement in year 2018, while in our mid- and early-30s, respectively. Our estimated annual expenses would be $50,000. In a later post, where I shared about ...
Posted: Sep 14 2017 @ 5:10 PM
The days in August quickly passed by. My husband and I have been working on some new business adventures and we’re looking forward to sharing more details. In addition to that, my family and I will be closing on a real estate transaction later today! I haven’t write about real estate investing for a while. You can read some of the topics I wrote last year. I’ll be sharing more ...
Posted: Sep 01 2017 @ 11:38 AM
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


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