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It took me a while to figure out exactly what I wanted to do with my Medium account and publications. During my first year on the platform, I was raw and real. There was something therapeutic about those pieces as I tried to figure out the 9 to 5 and motherhood.

Then the company died and I lost my job.

On a mental level, I wasn’t prepared to put my seven moth old into daycare from 7am to 6pm. So I made a decision to stay home and figure it out. It was a decision that cost me $50k.

I traded it with time to be with my daughter. I also took the opportunity to set myself up and sort out my life — once and for all. While I can’t say that I’m exactly where I want to be right now, I’m on a better path towards it than I’ve ever been in my working life. …


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money hands

Let’s face it, there’s a large group of us that’s in debt. We’re not talking a few hundred dollars on the credit kind of in debt, but 5 to 6 digits figures that’s enough to be someone's entire year’s wage. For many of us, this figure is often through a student loan.

At some point, we became convinced that paying a ridiculous amount for higher education is the way to go. However, as I’ve discovered, not every industry requires you to have an official degree. There are certain career paths that require you to have additional official education like medicine and law. But spaces like business entrepreneurship and technology is now available online. …


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Side Hustle

Lessons learned and how to solve them

We are currently living in the age of hustles. Hustle culture has grown and exploded over the past decade. It probably started its mainstream journey through gen X and millennials realizing that chasing after a day job is no longer a sustainable solution towards achieving certain money goals.

Another contributing factor is the need to somehow also pay our debts. From credit cards to student loans, many of us grew up with cheap money, borrowed at the expense of our future selves. …


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Bon Fire

but you can still have the financial independence for your sanity

Financial independence, retire early — also known as the FIRE movement, is something that money-conscious Gen X, Millennials, and older Gen Zs are working on achieving. The idea is simple — make enough in passive income to cover your desired yearly income and retire early to do whatever you want.

It’s one of the driving forces behind the hustle culture and boom in small scale entrepreneurs and freelancers. While the idea of financial independence and early retirement sounds nice, it doesn’t always work out for everyone. Why? Because for some of us, the idea of living the rest of our lives doing nothing, in particular, seems too far-fetched and impractical. …


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The alternative way of looking at your money

Investing is often one of the most misunderstood methods of growing your money. There are a lot of articles telling you that you should invest, but they rarely touch on the realities of investing for passive income — that you need to have money to make money.

The initial seed money to make a decent return usually runs in at approximately $50,000 to make any kind of passive returns. At a conservative return of 4% per year through dividends, that’s only $2000. To make $20,000 a year doing nothing, you need to sit on $500,000 in investments.

Let’s get real — not many of us have $50,000 just lying around, let alone a simple half million. Here’s what you can do instead to ‘earn’ the same amount of surplus money you’d get if you had $50k in the bank ready to be invested. …


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image by Skyclick

2020 was only a pixel drop

Let’s get real — 2020 was a weird year. We all started off with great and grand plans. Then the year as we knew it happened. There’s something special about rounded numbers, new years, the beginning of months, and maybe the start of weeks that makes us want to begin anew. Then something happens again and we feel like we’re back to square one.

It can make you feel like you’re just living another day, trapped by the mouse wheel of commercialism, capitalism, politics, expectations, the world falling apart, and everything else in between. …


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image by Aphinya Dechalert

revelations and thoughts from a decade of work

Growing up in a lower middle-classed Asian family, my mother only saw 3 valid career possibilities — doctor, lawyer, or teacher.

Be any of these and you’re guaranteed to live happily ever after. Much to the great disappointment of everyone, I became none of these things.

Freedom is more than just a job

When I was a kid, adults sold me the following equation:

time - work = money

Basically, if I could get myself a decent paying job, I’d be free. Looking back, it’s a very Rich Dad, Poor Dad mindset.

My mother grew up a child labor factory kid. My dad made it to junior high before becoming a chef. They only knew the common narratives — that education and working a high paying desk job will solve everything. …


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image by Aphinya Dechalert

there’s more to it than just buying and holding

Warren Buffett is the king of investing. He was the original billionaire.

Bill Gates has his Microsoft. Mark Zuckerberg has his Facebook. Jeff Bezos has his Amazon.

Warren Buffett doesn’t know how to code, nor does he have any revolutionary ideas. He does, however, have his investments.

While many of us are unlikely to scale up towards multi-billion dollar investment portfolio valuations, we can still learn something from his investing techniques.

Here’s a short guide on how to rationally assess your investments, what to buy, and when to sell.

Rule №1: Never lose money.

While this seems obvious enough, if you’re a new investor, it's easy to get caught up in the speculation process. You might have read something somewhere that encourages you to sell. …


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image by Aphinya Dechalert

it’s only a secret because you don’t know

For my amusement, I sat in on one of those internet ‘free seminars’ that promised to make me oodles of money by doing very little. We’re talking big, 7-figures in a month kind of deal for just a few clicks of a button.

It wasn’t the images of Ferraris and mansions that enticed me. Nor was it salesman like guys in their mid-twenties throwing around banknotes like monopoly money.

I sat in because I was curious. I wanted to know what the promised ‘free secrets’ were. …

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