LATE START EARNER

Beginnings We all start from somewhere. For me, it was in debt. Even though I was fortunate enough to receive a full-ride scholarship to attend university, the scholarship did not cover summer school expenses or any out-of-pocket expense deemed by the university as falling under the parental support category. My parents, who are extremely supportive of me, had financial insecurity of their own and were unable to provide financial support at the time. I worked part-time off-ca

Image Source: Webmd The pandemic has been a long and drawn-out period of loss, devastation, and stress for many: millions infected, nearly half a million dead, and thousands of individuals and entire businesses out of work. Nearly 1 in 5 restaurants have permanently shut down due to the pandemic. Add to that the stress of childcare and losing other critical services that parents rely on to juggle work, family, and personal life, the pandemic has radically changed the busines

For the first time in probably a decade (or more?!), I decided to sit down and write out my annual goals and budget. While I track my general spending on a monthly basis, the annual overview was eye-opening. It also made me digest the reality of where I am today, and what I need to accomplish this year in order to truly move fast on the path to financial independence. Let's dig in! This pie chart summarizes broad categories of planning savings, investment and spending for the