Off Hour Hustle

Off Hour Hustle Personal finance and side hustle creator. :)

05/05/2026

This is the part most people don’t learn until it’s too late, and why I don’t count stock options as part of my total comp 😅

I went down a rabbit hole researching mine recently and realized there’s way more to it than just getting shares.

Things like:
• ISO vs NSO
• AMT (Alternative Minimum Tax)
• early exercise
• 83(b) election

can all affect how much money you actually keep.

You might owe taxes before you ever see cash…
and your equity could also go to zero.

Still learning, but sharing what I’ve found so far :)

Save this if you have stock options or work at a startup 💕

05/01/2026

Have you heard of a 409a?

Your private company stock price isn’t random 👀

There’s a number behind it, the 409a valuation, and it can be completely different depending on when you join a company.

Most people never even check it.

Part 3 is the part that actually affects your money.

Save this for later ☺️

04/30/2026

Most people think stock options = free money.

That’s not how it works.

I had to deep dive after my first vesting to understand what I was actually getting into… and it’s way more complicated than it sounds 😅

Part 2: how your stock price is actually decided 👀

Save this if you’ve ever been confused about equity.

04/29/2026

Does anyone else feel this way about work? 😅

So grateful for these opportunities and hitting this milestone 🥹💗

Only up from here 📈

Really hoping to bring my short-term rental series to life soon—and manifesting that first property 🤞😌

Olay x Your Rich BFF Well Endowed & Super Collection
Sephora Colorful, Waterproof, Retractable Eyeliners
L'Oréal Paris Lumi Glotion, Makeup Setting Spray

how we split finances as a newly married couple 👰‍♀️🤵‍♂️We didn’t really combine our finances after getting married, and...
04/11/2026

how we split finances as a newly married couple 👰‍♀️🤵‍♂️

We didn’t really combine our finances after getting married, and I think that’s more and more normal these days!

We have similar views on money and spending so I was never really worried about who paid for what. It just naturally ended up this way. 🙂

I like being able to track my own expenses and progress towards milestones. And choosing my own investments!

How do you and your partner split expenses? 🙂

personal finance, investments, married finances, expense tracking, splitting finances with partner, expense splitting

04/08/2026

What expenses are you trying to cut down on this year? 💸

Even with a raise, my habits don’t change 😅 I did enjoy some shopping in Japan and Taiwan over the past two weeks though!

Definitely not taking job stability for granted these days 🥲how’s yours treating you??

04/06/2026

Slide 6 was one of my favorite trips 👀

I’ve gotten most of my flights free over the past 6 years thanks to travel credit cards 😅and I’m never going back.

I’m always earning points on my travel cards to redeem for my next vacation. It’s the easiest way I’ve found to travel often and frugally :)

Comment “CARD” and I’ll send you some of my favorite travel cards to open right now!

Slide 6 was one of my favorite trips 👀I’ve gotten most of my flights free over the past 6 years thanks to travel credit ...
04/06/2026

Slide 6 was one of my favorite trips 👀

I’ve gotten most of my flights free over the past 6 years thanks to travel credit cards 😅and I’m never going back.

I’m always earning points on my travel cards to redeem for my next vacation. It’s the easiest way I’ve found to travel often and frugally 🙂

Comment “CARD” and I’ll send you some of my favorite travel cards to open right now!

04/02/2026

Number 3 isn’t talked about enough 🥲

Not gonna lie, I definitely romanticized quitting my full-time job to focus on side hustles at some point 😅 my 9-5 was getting draining.

But here’s the thing: what you see online isn’t reality for everyone. Yes, you can bet on yourself, but if you need a stable paycheck, want to buy a home soon, or actually want paid vacations, a full-time role has so many advantages people forget while dreaming of quitting.

Sure, maybe I’ll miss some opportunities. Maybe I’m “not betting on myself enough.”
But for now, I’m willing to take that “risk” in exchange for stability, benefits, and leverage 🙂 and I’ll build wealth and freedom safely on my terms ✨

Not going to say my mind won’t change in the future but this is how I think for now! Have you ever glamorized quitting your job? 😅 and did you do it?!

03/22/2026

Earning points is step 1 and transferring them is where the magic happens ✨

💳 Transfer partners (some examples):
Chase → United, Hyatt (my fav), Southwest
Amex → Delta, Air France/KLM
Capital One → Air Canada, British Airways
Citi → Qatar, Turkish, American
Bilt → Hyatt, Atmos, United

Also don’t sleep on airline alliances! Cuz that’s where you can find some good deals 🙂 here are the three main ones with some examples
• Star Alliance (United, Air Canada, Singapore)
• oneworld (American, British Airways, Qatar)
• SkyTeam (Delta, Air France, KLM)
Meaning you can book one airline with another airline’s points 🤯 I booked Starlux with Atmos Rewards which you can transfer from Bilt!
Same points → better flights → less cash 💅
Save this for your next trip ✈️

01/16/2026

This is my investing order of operations for 2026, built with the goal of reaching “work optional” by 40 🥹 Not one-size-fits-all, but a solid framework if you want an easy way to get started ✨

My goal for this year is to reduce my taxable income even more by investing in real estate via short term rentals! More on that coming soon ☺️

What are your investing goals for this year?✨

Follow to see how I plan to make work optional happen 💕 and comment STOCK to see everything in my portfolio for free!

personal finance, investing, Roth IRA, 401k, HSA, stocks, ETFs, retirement

Address

Tustin, CA

Website

Alerts

Be the first to know and let us send you an email when Off Hour Hustle posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category