I’m not a certified financial planner/advisor nor a certified financial analyst nor an economist nor a CPA nor an accountant nor a lawyer. I’m not a finance professional through formal education. I’m a person who believes and takes pride in a sense of freedom, satisfaction, fulfillment and empowerment that I get from being financially competent and being conscious managing my family’s money.


The contents of this site is for informational purposes only and does not constitute financial, accounting, or legal advice. I can’t promise that the information shared on my posts is appropriate for you or anyone else. By using this site, you agree to hold me harmless from any ramifications, financial or otherwise, that occur to you as a result of acting on information found on this site.


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Protecting my and my family’s privacy is of great concern to me. And I respect your privacy the same way that I hope/wish others respect mine. I don’t collect information about you other than (1) what you personally provide if you submit a comment (your email will not be published) or sign up for my newsletter updates and (2) what’s available through normal server logs and Google Analytics. I won’t sell or disclose your information to others unless I’ve received prior written agreement from you (e.g., you create and post your own comment on our website/blog with other readers).