About Us

Hey, Hello, Hi!

I was born in China and brought up in San Francisco. My dad was a factory worker in China and we lived in a small fishing village.

Growing up in the U.S., my parents worked in the back of a Chinese supermarket. I was your typical shy, nerdy Asian girl next door!

In my previous life, I was a typical underemployed millennial “in-betweener” stuck in the twilight of young adulthood.

I graduated university early but my undergrad still left me $20,000 in student loan debt. Fueled by desperation (I never held debt before), I was able to repay all of my student debt within 8 months of graduating while surviving on only part-time work.

I spent my days at a very uninspiring ho-hum job trying to decide if I should pull the trigger for a Master’s degree that I was not passionate about and would have certainly put me back into debt again.

My doctrine for saving rests in a childhood plagued with poverty and a sobering refusal to repeat that mistake.

My husband and I both strive to save as much as we can without giving up the core things that make us happy.

Related: Our glossary of family income and expense reports

We want the option of F.I.R.E (Financially Independent, Retiring Early).

The primary goal here is simply FI (financial independence) and we want you to come along with us on our wealth journey.

After our wealth journey, my husband and I plan for a family, lots of food, some traveling and “deep life.”

(Deep life is my word for work that is unnecessary financially but fulfills the deepest part of human needs for purpose and legacy.)

Also on the topic of legacy, having my children born financially savvy and free is a big one.

It’s my main motivator in life. I didn’t totally enjoy growing up poor, duh, so I’m stopping the cycle.

Blog Philosophy

We were able to build our wealth by working hard and that hard work put us in a position to be very lucky financially. We’re not remarkable in any stretch of the definition, just unexpectedly blessed.

We came to awareness right in the nick of time.

Personal finance is a very tight-lipped subject. Growing up, no one gave me an ounce of knowledge about money.

Easy doings enough – my family didn’t have any!

In fact, the subject was completely banned in our household because it was seen as “rude.”

I thought it was normal for the average Americans to save at least 50% of their income. When I read the real figures (5% at best), I knew we were freaks of nature.

I knew I had something to say and just like that, this blog was born.

Related: Want to know all about real life characters that made me who I am today? I deliver!

If you want to chat, hit me up on Twitter, Pinterest, or Instagram.