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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

Our Services in the Community (also available to you) November was a very rewarding and joyful month in my household. My husband and I started the month off offering free financial and fitness coaching services. In the spirit of the holiday season, this is our way of giving and expressing our thanks to those we […] The post November 2017 Non-W2 Incomes Report appeared first on Ms. Financial Literacy. ...
Posted: Dec 16 2017 @ 12:49 PM
Back in September, 2017, when I shared on the blog that my husband was going to join me in early retirement, many of you asked about our health care insurance situation once he leaves his W2 employment. In this post, I’m sharing the process my family and I went through to get health care coverage […] The post Early Retirement and Health Care Coverage and Premium appeared first on Ms. Financial ...
Posted: Dec 11 2017 @ 12:59 PM
I Didn’t See Myself Being a Good Teacher/Coach I’m what some people might call a Type A, perfectionist, or over-achiever. I have high standards for myself. Growing up and while in school, unlike many other Asian parents, mine didn’t pressure me to receive certain grades or go into a certain profession. I was always the […] The post All I Needed was an Inspiration (and a Free Gift to You) appeared ...
Posted: Nov 30 2017 @ 11:12 AM
As the last of the leaves are falling off the trees, the days are getting chiller. This past week, I’ve been finding myself having a harder and harder time getting out of bed and head out for a run. I typically do my run (6 miles in distance) between 7:30 to 8:00 a.m. My goal […] The post “It’s a Gift to Your Body” appeared first on Ms. Financial Literacy. ...
Posted: Nov 26 2017 @ 10:17 AM
Feeling Thankful Before getting to the contents of this post, I’m taking a moment going back to my previous post on Scarcity Mentality. I was flooded with heartfelt tears reading all your comments and personal stories you shared with me through emails, social media and on the blog. I was touched by your kind (and […] The post August – October 2017 Non-W2 Incomes Reports and Life Updates appeared first on ...
Posted: Nov 19 2017 @ 11:09 AM
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


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