Zeta Help and the Need for Couples to Financially Plan Together

"Select a partner carefully. Your spouse should have the same characteristics that are compatible with success."

A few months ago, I came across the Zeta Platform. I wish this tool was around when my then boyfriend, now husband first got together. I'm probably the one that pushed a lot of this personal finance stuff on my husband, but I don't regret any of it one bit because by the time we got married, we were significantly better of had we not talked about it. Because I'm a fan of having that financial conversation early on and I'm a fan of helpful technology, I found Zeta to fit the bill so I wanted to share it with you all today.

The College Series: Setting Yourself Up For Internship Success

The expert in anything was once an unpaid intern.

It’s the beginning of the spring semester and you realize that you’re going to have to face the realities of the real world in five months or so. It’s prime internship-searching season. You’ve googled “interview questions” dozens of times and are already anxious for your school’s career fair. This isn’t an article asking you to evaluate your strengths and weaknesses, nor is it a guide on what to look for in a company, but rather things to consider to ensure a more successful job searching experience. Whether you’re applying for summer internships or an internship over the school year, it’s important to think ahead and cover your bases when it comes to the internship applying process.

Book Summary: Your Money Or Your Life

"Waste lies in not in the number of possessions, but in the failure to enjoy them."

I had the chance to pick up Your Money or Your Life by Vicki Robin and Joe Dominguez. They are thought to be the ones that coined the term "FIRE" A writer from a FI group in NYC brought the book and passed it around. It didn't click to me that this was the book. I had it on my reading list and bumped it up so that I could review it earlier. I'm so surprised I hadn't come across it earlier in all of my reading, but here we are and it seems like everything about the FI concept is falling into place for me.

Gifting Stock Instead of Toys: Do's and Dont's

"No one has ever become poor by giving."

A few months ago, my husband and I were invited to a birthday party for friend's 4-year-old. Given my foray into minimalism and sustainability and personal finance, I didn't personally want to give another plastic gift. I also didn't want to give another item that they would have to maintain or would end up in the landfill a few days later. So after much research, I decided to give the gift of stock.

Like Jon Snow, I Know Nothing: Why Learning is a Lifelong Journey

"Ah, but a man's reach should exceed his grasp, Or what's a heaven for?"

This past week I went to Washington D.C. to attend a real estate software conference. This was my 3rd time going and every time I leave I think my head is going to explode with all the knowledge I’ve just added. This smack in the head is my annual reminder that like Jon Snow, I know nothing. Well, not completely nothing, but probably 1% of what this software is capable of. It’s eye-opening and very humbling.

How I Will Raise Money-Smart Kids (Not Spoiled Kids)

"How can we be the future if you're not going to teach us about money, which is our future?"

I don't have kids, so this will sort of be my manifesto for when I do. It will also serve as a snapshot of my thoughts at this point in my life. I know perspectives often change especially when there is an actual human being in the picture so I hope this helps me navigate how I want to raise kids that understand what money can do so that I may set them on a good financial path. These are my thoughts today. It could be different tomorrow as the world changes and I change. My husband's perspective and plans will be different. At some point, we will have to compromise as our goal, in the end, is to provide a good financial background for our future kids.

You Can Travel Hack and Still Have an Excellent Credit Score

It's better to see something once, than to hear about a thousand times.

One of the biggest eye openers for me in the past few years has been the idea of travel hacking. I had my first credit card when I was a senior in college. It had a $500 credit limit. A few months later, I was already maxing out that limit. I had no concept of credit (despite majoring in Econ), let alone how to use it wisely. Fast forward a few more years, I got into more credit card debt. Thankfully, I was able to put a stop into my credit card debt and started getting wise about its use.

What Barriers Do Young Australian Women Face in Reaching Financial Independence?

Australia is popularly known as “the lucky country.” It holds the OECD record for economic growth at 26 years and counting. While there are some definite advantages of living in Australia over the United States in terms of reaching financial independence (like free universal health care) there are still many reasons why Australian women need to think about financial independence differently than their male compatriots.

The Power of F U Money

Save for your freedom.

OK, I didn't necessarily call mine F U Money, but I did have a fund setup in case I needed a break from the 9 to 5.

I first had this sense of wanting to get out of the race early on in my career. I had just graduated from college and was working full time in IT at a pharmaceutical company.

What Your Trash Says About Your Spending Habits

Here’s the kicker when it comes to the waste we produce: this is also money.

We may not realize it right away, but each item we buy not only costs us money, but costs us time. We have to start thinking about the consequences of our consumption. It is actually our consumption that is depleting our natural resources. There is an excess demand for extra stuff. This results in more being made and manufactured. The outcome is not only waste byproducts, but also wasted materials. The lifestyle of product is so short nowadays that it essentially goes from the store to our hands to the trash in a matter of days or even minutes.

5 Reasons Why Young Women Need to Think About Financial Independence Differently

There's many reasons why I wanted to start this site. You can find that here. After reading many personal finance books for women, written by women (and men), I don't think these five reasons are addressed enough. While I am all for equal gender pay, there are still some areas where men and women differ and these reasons are why we need to be addressing women's personal finances differently.

Should You Pay Off Debt or Invest? FIRE Logic

This has been a question that's been weighing on my mind lately. Today, my husband and I have two large debts: a car loan and his student loans. I've been trying to weigh what our best strategy is towards these. Should we pay these off quickly or use some of the money to invest instead. Those in the FI/RE community will probably have a different way of looking into this.

The Cost of Living: How to Combat the Expense of Healthcare, Childcare & College

The cost of living is going up and the chance of living is going down.

A few weeks I came across this chart on Marketwatch. The original creator is Mark Perry, economics professor at the University of Michigan using data from the U.S. Bureau of Labor Statistics. Perry's original blog post can be found here. It’s a startling graph and there’s a lot that we can interpret from it (I recommend you read the comments on the blog post), but of course, since I write from the perspective of Financial Independence, I want to put the FI spin on it.

The End of An Era: Goodbye Marriage Penalty

50 years. That’s how long it took to get rid of the “marriage penalty” in our federal tax system. What’s even worst is that some people never even knew it existed. The marriage penalty arose if two married individuals, both earning income, paid more in taxes if they file with under “married filing jointly” than if they filed taxes separately under the “single” tax status. How is this possible? It’s because the income tax brackets from single status did not rise in proportion to the marriage filing jointly tax bracket.

How to Use Venmo Securely

Venmo me tomorrow.

Based on certain sources, I am considered a millennial, although I'm at the end of the older spectrum. My sister on the other hand is at the opposite side of the spectrum so it's interesting to see her take on certain things: Venmo is one of them. I actually use Venmo and find value in it, but perhaps not to the extent that the younger generation does so I asked her to provide some best practices for using Venmo. Here are some tips on how to use Venmo safely and securely.

If you are not familiar, Venmo is a mobile payment service owned by Paypal. It allows a quick and easy way to transfer money via a mobile app or desktop.

How to Use Your Public Library on the Journey to Financial Independence

A library is infinity under a roof.

Today, I want to talk about the library. I know, for most adults, the library was probably a thing of the past. For many of us, we probably stopped going to the library after middle school or after college. With everything available on the internet, it's easy to rely on Google or Amazon for all of our information needs. I want to challenge that thinking and encourage you to get your library card and take advantage of what your local library has to offer. I think the library is one of the most underutilized resources out there. For anyone starting the FIRE journey (Financial Independence/Retire Early), don't discount the library as a tool for your journey.

Why Checking Your Credit Report is as Important as Your Yearly Gyno Visit

A lot can happen in 365 days.

Usually, at around the time of my birthday in March, I like to get my yearly doctor check-ups done. It's just easier for me to remember and also I feel like it makes sense since I’m another year older and another year wiser. One other thing that I also like to do during this time is to check my credit report…because my birthday also means another year of being a more responsible adult.

If you are not comfortable doing this around your birthday, do this around tax season. It's a great way to put yourself in the mindset of money management. Start associating April as the month where you also take care of yourself and your finances.