About Me

At Wilson Botanical Gardens in North Carolina

My name is Annie Margarita Yang and my unique ability is inspiring and connecting with people to empower them to see their own greatness and to discover their authentic self. This is my special talent and I use it in different areas of my life.

The main area where I use it is in personal financial coaching, where I teach people how to live a satisfying and fulfilling life and to create a future they actually want, while spending less money and getting out of debt. This is not a get-rich-quick scheme or a passive income pipe dream. This is about managing the money that already flows into your life. Whether the flow is a narrow stream or a waterfall, I promise you that you will learn to manage all your resources effectively to create the life you want.

I taught Dave Ramsey’s Financial Peace University program to adults from 20 to 80 years old, volunteered with Cents Ability to teach personal finance to high school students, and coached one-on-one to people in financial distress. I achieved my A.S. in Speech Communications from Kingsborough Community College and my B.A. in Communication from Thomas Edison State University. I also published a book titled 1001 Ways to Save Money: Quit Flushing Your Hard-Earned Money Down the Toilet, which you can purchase on my website by clicking here.

Right now, I am creating my own curriculum for high school and college students.

Eventually, I want to create a personal finance program for adults that is more holistic, balanced, and awareness/behavior-based. I want the program to be completely different from the investment/retirement-focused programs that people sell today.


There are five values that I live by and bring to every conversation. My five values are education, financial independence, health, integrity, and service.

1. Education: Having new experiences and meeting new people. Doesn’t necessarily have be in a classroom. Learning by doing. Exploring new ways of thinking and seeing the world. Listening actively in conversation. Acquiring various skills and knowledge because all are somehow useful. Using education to create something new.

2. Financial Independence: This doesn’t necessarily mean being rich or wealthy or being retired or reaching a certain “magic number” in net worth. For me, financial independence is an experience and a mental state of being. It is not worrying about money. Not letting money stop me from doing the kind of work that I want to pursue. Spending less than I earn. Avoiding debt. Avoiding keeping up with the Joneses. Not relying on spending money for external objects for my happiness.

3. Health: When you have your health, you have everything. When you do not have your health, nothing else matters at all. I am a strong believer in this and follow the philosophy that an ounce of prevention is worth a pound of cure. I strive to keep my body in its best condition so that I can continue living a life of service.

4. Integrity: Maintaining honesty in all relationships. Keeping my word in everything. Fulfilling every promise I make or immediately explaining I can’t keep the promise the moment I realize it. My word matters.

5. Service: To have sheer joy and honor when serving another. Contributing value to and helping other people. Being part of something greater than myself. Being generous and giving. is an expression of my five values, not just about personal finance.

My blog posts and YouTube videos are an expression of my five values. I do not solely write about personal finance because there are many things that I feel passionate about.