Residency: The financial bitter-sweet spot

Many of my colleagues see residency as the hardest financial years because student debt of 300-400k is compounding away at 6-9% annual income is about 50k-70k depending post-graduate-year work hours are long: 80+hrs/wk there is no money, after monthly expenses, to

My American Dream Part II “Budgeting”

This post is reader-inspired. She wrote, “Would like to see a post to help with me with my American dream…on how to establish a monthly budget, and keep to it, in a way that is practical but not restrictive? seriously,

Count my blessing

I am so grateful for the following, All my family members are relatively healthy (no one had extended hospital stays) My kid enjoys her school, where we live now, and is building new friendship. With her grandmother’s generous help, we have

Chasing after the wind…

As I look back on this past year… I realized that I have hit several financial milestones which prior to reaching them I thought would be deeply gratifying and liberating. They were indeed, albeit transiently so. May 2014: No longer

FICO score simulator, awesome tool!

I recently found this tool available to me at my experian account. Pretty useful! Much of what I learned through years of experiences/self education are summarized AND simulated in this tool. Wished that I had this earlier, so I’m eager to