I write but I’m not a writer. English isn’t even my first language. If you are looking for fluid, inspirational writing, this isn’t the right place.
I write because I like figuring out stuff about money and personal finance. When I do, I share them here. If you like reading firsthand experience, this blog is for you.
Since I started doing this in 2006, many readers told me this blog is one of the best personal finance blogs out there.
“It’s the only finance blog I read.”
“I read a LOT of ‘em; yours is extremely well done as a wide-audience blog.”
“It covers more than just basic things, but everything is explained in a way I can understand.”
I try to keep a high signal-to-noise ratio. If I have something interesting to say, I will write about it. If I don’t, I don’t waste your time or my time. There’s no set schedule or any quota to fill.
I will never write “11 things you should know” or “99 ways to do XYZ” while having never done any of them myself, because I’d rather go deep into one thing I actually did. If you have some patience for in-depth posts, I think you will like my blog.
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I’m an office worker in my mid-40′s. In previous jobs, I worked for a small investment advisory firm and in the employee benefits department of a large manufacturing company where I earned my Certified Employee Benefits Specialist credential. I don’t work in those fields any more but I kept the knowledge and the interest.
My wife and I are both immigrants. We came to the US in our mid-20′s with only a few hundred dollars in our pockets and no other family members in the country.
We are not a doctor, a lawyer, an investment banker or a corporate executive. I have an MBA but it’s not from a prestigious school. Neither of us ever managed anyone in all our jobs. We never had any rental property or inheritance. We never worked at a company that went IPO or got acquired. We never built or ran a small business (this blog notwithstanding, which contributes very little to our total wealth or income). We are just doing it the hard and boring way: earning a salary, saving, and investing.
Don’t believe it when they say you can’t get ahead even if you follow the rules. You absolutely can. We are the evidence. The rules didn’t change. Work hard. Save money. Invest wisely. It works.
I am not a financial advisor. I do have personal opinions, sometimes strong, ignorant, or biased. Everything you read here on this blog is the author’s personal opinion, not financial advice.
I am by no means an expert on anything. I don’t intend to mislead, but my facts, figures, and calculations can be incomplete, inaccurate or plain wrong. The word “you” in the posts doesn’t mean literally you, the reader. In most cases it means me the author.
Please be sure to double check everything if you decide to act on anything I write about. Bottom line, please don’t blame me for anything you do.