In a world that constantly encourages consumerism and the pursuit of material possessions, embracing frugality might seem like a countercultural choice. However, the practice of frugality is not about living a life of deprivation or scrimping on essentials. Instead, it is a mindful approach to managing resources, prioritizing what truly matters, and finding joy in the simplicity of life. Understanding
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An HSA is one of the best-kept secrets out there because of its versatility. My current employer offered an HSA back in 2016 but I brushed it off to opt-in for the PPO plan. In 2019 when I did more research into what an HSA is and how it was helpful to the future financial goals I was determined to
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Three years ago, my current employer introduced a health savings account (HSA) as an option for my medical benefit. I briefly went over the plan but ultimately chose a PPO version. It’s not until recently that I discovered that HSA plans offer so many benefits and can be used as my third tax-advantaged plan. Some even called the health savings
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In this post, I will go over the top five takeaways from Ramit Sethi’s book: I will teach you to be rich. I will teach you to be rich Becoming rich isn’t something that only happens to Ivy League graduates, elite athletes or lottery winners. Anyone can become rich. What you need to do is to define what being rich
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In this blog post, I will list 18 tips for how to save money fast! There are many good reasons to start saving money. Maybe you suddenly got slammed with an unexpected bill, or maybe your friends just invited you on a trip of a lifetime. Or perhaps, you want to buy a house and you have to save for
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You may already own a car, and know somewhat the costs associated with car ownership. But have you ever asked yourself this question: how much car can I afford? In this post, I’ll discuss the 20/4/10 rule and how it applies to the process of buying a car. If you can afford to buy a car with cash that’s the
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What’s my net worth in May 2019? When I graduated from pharmacy school in 2011, I had a negative net worth of $218,000 with a combination of student loan and credit card debts! It has been a humbling experience clawing my way of that debt to having a net worth of $241,451 at the end of May 2019. I was
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Let’s learn different strategies for your investment and saving today! Disclaimer, I am not a personal finance expert. If you’re a personal finance newbie just like myself, the SEC has a really good resource called introduction to investment for you to peruse. Because I’m not an expert I have to do a lot of reading on personal finance from various
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