There are no shortcuts to knowledge, especially knowledge gained from personal experience. Following conventional wisdom and relying on shortcuts can be worse than knowing nothing at all.Ben Horowitz
My name is Harry Sit. My wife and I are both first-generation immigrants to the U.S. We came in our 20’s for graduate school, with only a few hundred dollars in our pockets and no other family members in the country. After 20 odd years of working, saving, and investing, we both left our full-time jobs in our 40’s. Today, besides writing this blog, I help people find financial advisors who focus on giving advice, not managing assets.
Neither of us was a doctor, a lawyer, an investment banker, or a corporate executive. Neither ever managed anyone in all our jobs. None of our employers went public or were acquired. We never had any rental property or inheritance. Although I technically started a business (this blog, and my financial advisor sourcing service), it didn’t contribute materially to our financial bottom line. We achieved our financial goals only the hard and the boring way―earning a salary, saving, and investing.
I’m the contributing author of a chapter in The Bogleheads’ Guide to Retirement Planning. I wrote my first book Explore TIPS in 2010. My second book My Financial Toolbox is available now on Amazon.
I’m not a writer by any stretch, as English isn’t my first language. I make up for it with knowledge gained from firsthand experience. Being an immigrant, I had to choose what I know. I share what I learned over the years with you here. I will never write “11 things you should know” or “99 ways to do XYZ” while having never done any of them. I’d rather go deep into one thing I actually did. If you like reading knowledge backed by real-world experience, this blog is for you.
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. 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.”
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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 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.
Thank you for reading.