CoachKhang

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

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

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

You already know I’ll save as much as possible for all these new baby costs.My ShopYourWay Citi credit card accumulated ...
20/11/2025

You already know I’ll save as much as possible for all these new baby costs.

My ShopYourWay Citi credit card accumulated $200+ points and I redeemed it to cover this.

Next up is the car seat and stroller travel set, which there is a Black Friday sale at Kohl’s! I can’t wait to place the order later. It’ll be about $100 out of pocket for the set after kohls cash and giftcards. Most of my baby items are from Kohl’s because they just have the best sales. I hoarded bottles and baby clothes at 50% off. Most of the time, I usually have Kohl’s cash to use or I’ll earn from buying things in Kohl’s. The Kohl’s credit card gives back 7.5% in points for Kohl’s purchases.

It’s definitely a good card to have and one of two store credit card I recommend. Maybe open it during Black Friday. It restricts discount on brand name items though, like anything Apple, Nike, or Adidas. I don’t care about that because I’ve grown to love Lauren Conrad’s brand, which comes in petite sizes too.

Even if brand name items are excluded from sales, it’s still a better option to buy from Kohl’s because you’ll get Kohl’s cash to buy other things at Kohl’s.

I have a small registry at Target if anyone wants to bless this baby ❤️
https://www.target.com/gift-registry/gift/babythor

Wow. Can it get any easier?I wished I was depositing my teen and 20s into a Roth IRA account and not ever touch it.
17/11/2025

Wow. Can it get any easier?

I wished I was depositing my teen and 20s into a Roth IRA account and not ever touch it.

I asked chatgpt if rolling credit cards would save more money over time than staying with a car loan. The result was wha...
16/11/2025

I asked chatgpt if rolling credit cards would save more money over time than staying with a car loan. The result was what I expected, yes!

That is why I encourage getting/maintaining a high credit score. I never want a car loan ever again. I never want any kinds of loans, unless it's a mortgage (maybe :P). I will only keep opening credit cards and deal with a 1 time transaction fee.

Again, credit card monthly payments actually go down. Meanwhile, most loans stay the same the entire time, and IMO, it hurts you.

For example, if you have a $15k car loan, it will look like you owe $500 forever until you pay it off. With a $15k credit card balance, it'll change over time as you pay it down ANNNNND the amount due is also usually only 10% of the balance, which makes it look like you are obligated to a lower bill. A $15k credit card balance means you only owe $150/month on paper.

ANNNND omg, credit card payments are usually clear. When your interest is 0%, all your payments are applied to the balance. With a car loan, $450 goes toward your loan, and $50 goes toward the interest. I'm just throwing numbers out there for examples; you get the concept.

A tale of 2 deductibles.This was interesting. As I'm preparing for a family plan next year between going with my or my h...
12/11/2025

A tale of 2 deductibles.

This was interesting. As I'm preparing for a family plan next year between going with my or my husband's employer, I compared our current plans. His deductible was only $600 and mine is the $3,300 side. The pregnancy example is really bad because it doesn't cost $12,700 to have a baby with delivery.

I'll need to review his 2026 rates and details before we make a decision. I'll keep you all updated.

Deductible is so important when deciding what option to go with. It's also why you want to make sure you factor what a c...
11/11/2025

Deductible is so important when deciding what option to go with. It's also why you want to make sure you factor what a company will cover for health insurance when applying/accepting a position. This doesn't really matter if you're single. It will matter more when you transition into a family.

My employer's family plan has jumped from $6,600 deductible in 2025 to $9000 for 2026. That means I will have to pay $2400 extra before the insurance kicks in. But I'm really coming from a single plan of $3,300 in 2025 and debating if I want to do the $9000 family plan for 2026. That's an additional $5,700 I have to pay upfront before insurance kicks in.

What's the difference, or what does this all really mean? In 2025, my baby will cost me $3300. In 2026, if I have another baby, it'll cost me $9000 deductible and an additional $434.00 monthly premium of my paycheck to have health insurance ($434.00*12 = $5208). $9000 deductible + $5208 monthly premium = $14,209 GRAND TOTAL FOR MY 2026 baby.

Yes, healthcare in the US is crap. Cries in Hmong.

Most workplaces should have open enrollment starting Nov 1.What is open enrollment?It's where you sign up for benefits a...
31/10/2025

Most workplaces should have open enrollment starting Nov 1.

What is open enrollment?

It's where you sign up for benefits at work, if you're eligible.

Why is it important?

So you don't pay full price when you need dental, medical, vision, or other health services. Sometimes it makes sense, and sometimes it doesn't. I didn't care much for it in my 20's but now that I understand money, I wished I did, like maximizing the 403B company match and HSA/FSA.

My employer pays for our dental insurance. I got lasik done in 2023, so I can waive the vision benefit forever now. For health insurance, I currently pay $22/check.

Next year, I'll have to decide whether I want to opt for a family plan, which comes in four amounts: $434, $460, $1108, or $1272. I'm thinking of going with the lowest amount of $434 because the family deductible amount is $9000. The higher two amounts have a $10k deductible, but I'll be paying more monthly over time. Plus, with the $434 amount, I can enroll in an HSA account, which the max family limit for 2026 is $8,750. An HSA is a pre-tax account, meaning contributions are made with money that is not subject to federal income tax, which reduces your taxable income. So i'm guessing that means $434 * 26 paychecks = $11284 + the $8750 = $20074 will not get taxed. Meaning my salary will look like I make $20k less.

How are your work benefits?

Remember, since my deductible has been met, I don't owe anything anymore at my visits. That's why the column "Amount You...
29/10/2025

Remember, since my deductible has been met, I don't owe anything anymore at my visits. That's why the column "Amount You Owe" is showing $0.

What is a glucose test?

Google: A screening procedure used to detect gestational diabetes (GD), a type of diabetes that develops during pregnancy. Gestational diabetes occurs when the placenta produces hormones that cause high blood sugar levels, and the body can't produce enough insulin to compensate.

What were my results?

I failed. The number to meet was 139 or lower. I was at 161. The test is from the placenta, which is a combination of both parents.

What does this mean/what's next?

I went back for a 3 hour test, and they drew blood out of you four times for more results to compare (so you wanna make sure you're "healthy" at your first time and pass). If you ever have to do this, bring something to entertain yourself. You'll go in, they'll draw your blood, then you sit in a waiting room or a patient room for 1 hour, then draw blood again, and this repeats until they have 4 shots out of you.

I'll show you the 3 hour glucose costs next when I get the results back from today's visit, 10/28.

I decided to DRIP my dividends because I don't want to think about it.
24/10/2025

I decided to DRIP my dividends because I don't want to think about it.

Choua, why don’t you just pay off your debt?Your rich bff has a 7% rule. If the debt is higher than that, pay it off. If...
22/10/2025

Choua, why don’t you just pay off your debt?

Your rich bff has a 7% rule. If the debt is higher than that, pay it off. If not, it’s ok to invest while paying it off. I used to be team 💯 debt free until I heard Robert Kiyosaki say, the government is printing paper.

Honestly, I think sh‼️t is going down and I’m going to hold as much cash as possible in a HYSA. I’m holding cash to be prepared for situations that requires cash only.

This shut down is affecting people, especially “poor” financially managed people. They will not be able to pay rent or a mortgage, which means they will lose their housing situation, which will be a worst situation. Some people with low/bad credit will have to take out loans, they will get hit with high interests. Some people will fall behind on their bills and get late fees that will rack up.

That is why a high credit score might keep you afloat for a bit until the storm is gone. Obviously, this isn’t advice for people who have their life paid in full all the time. Great for you! You figured out life’s formula.

https://www.instagram.com/reel/DQEs1oLjtiN/?igsh=MWRud2puYmpxNDJhOA==e

Remember how I was going to pay off my student loans by September? Well, I forgot about it. Then I was almost going to d...
20/10/2025

Remember how I was going to pay off my student loans by September? Well, I forgot about it. Then I was almost going to do a balance transfer from my credit card at 1.99% with a 3% transaction fee to pay it off, and pay that off in 18 months instead.

Then I remembered the government is currently shut down. My interest is supposed to resume and I'm supposed to also owe a monthly amount too, but I'm not seeing either. Therefore, I'm gonna let things play out for bit and then decide on a transfer by the end of October.

Grateful baby girl has been very active and is on track with her growth. This is the estimate for my delivery bill in De...
20/10/2025

Grateful baby girl has been very active and is on track with her growth. This is the estimate for my delivery bill in December when she is here.

Some electronic health records (EHR) systems might have the option to view pricing estimates. I'm currently in the MyChart-Epic system and it's under Billing and then Price Estimates. You can always call your insurance provider if you prefer to have a conversation over the phone. My insurance is with Medica through my employer.

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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.

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💙IG: https://www.instagram.com/cuakay