CoachKhang

CoachKhang A Hmong woman sharing knowledge about
personal finance, investing, and entrepreneurship.

YT: https://www.youtube.com/

I don't post selfies here often; I post results, information, and instructions.

✅ ROTH IRA✅ HSA✅ HYSA✅ Joint HYSA for a houseWow. I am so proud of myself. I forgot I maxed my $7k Roth IRA contribution...
03/07/2025

✅ ROTH IRA
✅ HSA
✅ HYSA
✅ Joint HYSA for a house

Wow. I am so proud of myself. I forgot I maxed my $7k Roth IRA contribution and decided this morning that I should move $7k there.

Turns out, I already did it! Can't believe I doubted myself for a second. I felt horrible and now I can put this to rest.

I've been contributing to my $4300 (single) HSA limit through work. My only goal this year is to buy a house. I'll pretend this delay/test is for a reason.

I've always lived an everything is possible life (unless it's me swimming). Whatever I want, I can make it happen as fast as I make a plan for it and work toward it. And it's just such a struggle to not live like that. Every day, I'm just like, "Why can't it happen now? What's the hold up? Let's put a plan together and reach the goal." IDK, I move fast; time is short; nothing's promised; tomorrow is unknown.

Life and achieving goals aren't a mystery to me. Everything can be sorted out if you just put time aside to make a plan for it. Your input is your output. And I'm just feeling like, there is no input at the moment and I'm here, expecting an output.

Hope everyone is doing well

It's been quiet because of this medical bill. Will share more details about it later.
03/07/2025

It's been quiet because of this medical bill. Will share more details about it later.

I started my debt free journey in 2018. I documented it on Tumblr back in the days lol. I was a 658 yalls! I am easily a...
23/06/2025

I started my debt free journey in 2018. I documented it on Tumblr back in the days lol. I was a 658 yalls! I am easily a 740+ these days.

April 2, 2018 - My score was 658. So much has changed! I'm so proud of the person I've financially become.

https://www.tumblr.com/blog/werkhang

3 things to do this year and only those 3. Everything else will fall into place after.1) Sell WI house 2) Dual license3)...
11/06/2025

3 things to do this year and only those 3. Everything else will fall into place after.

1) Sell WI house
2) Dual license
3) Buy MN house

There are no trips to the mountains or waters :(. This is the year of transition and building a new foundation.

I think the stock market is poised to rise again. It's not such a bad time to buy CONY, currently under $8. Participate ...
02/06/2025

I think the stock market is poised to rise again. It's not such a bad time to buy CONY, currently under $8. Participate at your own risks.

I transferred one of my loans to my CC to prepare for the next mortgage loan, which would be paid off from the sale of my current house. My goal is to have no loans in the application or maybe even debt free if I really have to and I'll have cash dollas ready.

Yay. Love automatic increases!
29/05/2025

Yay. Love automatic increases!

Wow, yalls. Let me tell you the baby drama about this incident.I ordered $3k worth of camera through Amazon 6+ months ag...
19/05/2025

Wow, yalls. Let me tell you the baby drama about this incident.

I ordered $3k worth of camera through Amazon 6+ months ago as a backup. I ended up not using it at all; it’s completely new, untouched, and unused. Quick backstory of the transaction. My SYW credit card rejected the transaction, so my Chase card was the backup (card in screenshot) and it got charged instead.

However, a couple days later, my SYW got charged anyway. It wasn’t a big deal, since I planned to not use any of the items.

I returned the items. It was all from the same vendor, in the same transaction order. This is important.

The return showed that I only returned 3/4 items and because the 4th item wasn’t returned, it got complicated. I forgot the details, but I returned everything because they were still in the box they came in.

Amazon/the vendor issued a refund on my Chase card, and probably considered that a returned refund. But remember, I was charged twice.

So I disputed the transaction in SYW and it kinda got cleared up, but I wasn’t convinced and was maybe gaslighted by my SYW credit card. I called it peace, but I always wondered if I got a true refund through all the complications.

Then, BAM! I got the email on the left side that someone actually looked into the case and I am owed $3k. Thank goodness because literally, that balance is due in October and was on 0% until now.

Time flies. X is turning 21 this summer, so I got this email.I guess this is good bye. I will no longer be the guardian ...
09/05/2025

Time flies. X is turning 21 this summer, so I got this email.

I guess this is good bye. I will no longer be the guardian of this account anymore. It was a great experience watching this account the last 4 years and I can’t wait until I can open another Roth for kids.

Airlines do not charge you a lumpsum/grand total if you buy more than 1 ticket. Each ticket shows up as a separate charg...
09/05/2025

Airlines do not charge you a lumpsum/grand total if you buy more than 1 ticket. Each ticket shows up as a separate charge. It doesn't really matter. I just have a card that is 0% when the transaction is $199+ and I'm glad I didn't use that card because it wouldn't have worked.

AT&T Prepaid review: issa no. You can't say I have unlimited and limit it.I made the switch to GoogleFi, $40/month. I ne...
30/04/2025

AT&T Prepaid review: issa no. You can't say I have unlimited and limit it.

I made the switch to GoogleFi, $40/month. I needed the hotspot.
- 50 GB of high-speed data (speed reduces to 256 kbps after).
- 25 GB of high-speed hotspot tethering

Someone remind me to cancel the free Youtube membership on Oct 29. The transfer was very easy and fast! Same day!

I love year end summaries. This is my Venture-X card. I switched to this as my daily card in the middle of 2024 since my...
11/04/2025

I love year end summaries. This is my Venture-X card. I switched to this as my daily card in the middle of 2024 since my SYW card payments were applied incorrectly.

I'm testing two things in this new Fidelity credit card balance transfer.1) Is my SYW Card smart enough to know to apply...
09/04/2025

I'm testing two things in this new Fidelity credit card balance transfer.

1) Is my SYW Card smart enough to know to apply this to the one balance that's this amount?
2) What will this look like on the Fidelity side?

Choua, why do a balance transfer and not pay it off?

Everyone is on a different financial path. 2018 me would've said, "Just pay it off." But 2025 me is saying "keep your cash dollas."

I look at this transaction as: if I hold $596.12 for the next 18 months in my 4% HYSA account, I would make $24. $24-the $18 fee = $6 made, which holding my cash still. Wait, did I just turn a balance transfer into a moneymaker? lol. If you coupon, you'll know that term.

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Minimalism.Money.Hmong

Hello everyone! My name is Cua and thank you soo much for stopping by. My goal is to provide as much knowledge from my own personal experience to help you make better decisions about yours. Some of my favorite topics I will share on this platform are minimalism, money, and my Hmong identity. Don't worry, I'm still a girl who enjoys food, fashion, traveling, and trying products, so I'll sneak a few of those in as well.

===Connect with me 😍===

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