This blog focuses on the various pathways in managing, saving and generating income as a Millennial in today’s society. Intended to educate today’s generation on being aware of one’s personal finances, and how to save for the future and in gaining financial freedom. Proving that anyone can start to save and make smarter investment choices and decisions, even as a broke college student just starting off, or as a new-graduate riddled with student debt.

Highlight the many steps we can take to enjoy our avocado toasts over brunch while still saving for the future.

Each post is written to fit within the following categories:

Banking Basics: The building blocks that make up finance that are important to understand when taking control of one’s finances. Highlighting important terminology, detailing the different account types, defining financial terms, and setting the foundation for building up one’s finance goals.

Investments: Choosing and Making Investments FAQ. From stocks, to bonds, to mutual funds, this category encompasses the various ways to start investing (even as a broke college student). From making conscious investment decisions to easy, passive ways to invest.

Passive Income: The ways in which one can start generating passive income that can be used to pay off debt, save for future expenses/purchase goals, or even in generating extra monthly income.

Finance Strategies: How to best optimize and grow your income, reduce debt, and reach financial freedom. Outlining ways to cut costs, reduce fees/taxes, and in optimizing your financial options/accounts.

Money-Apps: There’s an app for everything; not only are apps used for dating, ride-sharing and social media, but they can be used for savings and earnings throughout your everyday living expenses. Its easy-money that everyone can save and make from everyday purchases and activities. Distinguishing the ones that not only save you money, but are also efficient (so you’re not wasting your time). 

Eco-Friendly Savings: Various ways to support your bank account and reduce your carbon footprint, especially in today’s changing climate. Being eco-friendly, eco-conscious, and finance-savvy has never been easier.

Personal finances are hard. Between loans, planning for retirement, student/credit card debt, and living month-to-month, saving for retirement, a home, the future seems near impossible. As a ‘broke,’ recent graduate, I’m sharing my finance adventures in paying off debt, managing living expenses and saving for the future.

About Me:

I studied Biology Pre-med as an undergrad, but once I became more hands-on with my finances, I realized I had a bit of a passion for the stock market, and enjoyed finding new ways to save and invest with the goal to generate passive income significant enough to make a difference (meaning more than the $0.50 monthly savings interest). 

I've been deep-diving into my own Roth IRA account, researching and analyzing which mutual funds, stocks, and ETFs to invest in. I’m writing this blog to share my research on investment options, my personal choices for stocks and investments, and how to save money.

I first created my Roth IRA account when I was 18 as a freshman. Having made an initial deposit of $3k, thanks to growing up with rather strict and frugal parents I had a good start to my savings. This initial deposit was invested into a targeted retirement date mutual fund that was more or less recommended by the Fidelity employee who helped me to open my account. At the time, I just invested in whatever they recommended, and didn't do any of my own research. 5 years later, in hindsight, I definitely should have done a little of my own research and would have chosen another mutual fund. Leading to the purpose of this blog to detail personal finance options, maximizing savings/earnings, and easy ways to minimize costs. While I luckily don’t have student debt, I have struggled with credit card debt and managing living costs. I’ll share how I’ve micro-managed every penny saved, and ways I’ve earned back savings (as cash back, stock, etc) from everyday spending.