Like many Americans, I accumulated debt in my 20s and 30s. In my 40s, I made multiple huge financial decisions that costed ultimate opportunity loss. I woke up one morning feeling shackled to my job with no hope of being ahead of the herd. In my late 40s (then), I should feel some sense of financial freedom affording a life style to be reckon with. Yet I don’t.

Fast forward to present, my husband and I are on our way to financial independence (FI). In our journey to FI, I mastered the skills to accelerate savings and debt pay-off as well as wealth building. During this time, I became certified in Ramsey Solutions Financial Coach Master. I am trained in financial coaching to help others achieve their goals in personal finance.