Annie Margarita Yang is the go-to finance guru for Millennials refusing to lose in a system stacked against them. A candid, no-fluff YouTube personality and author of 1,001 Ways to Save Money, Annie is a part of the group she educates—the demographic most misunderstood because they must overcome finance challenges previous generations didn’t.
She is skilled at creating easy-to-follow money saving systems, intentional in addressing the unique concerns of Millennials, and relentless about creating financial independence.
With more than 1 million views on YouTube, her witty approach to tough talk sets her apart from others.
An accountant by trade but most passionate about personal finance, Annie dodged student loan debt by leaping into the world of minimum wage jobs after high school. She grew a love for frugal living, self-education, and planning for the future during those years. Annie understood that while it wasn’t easy to avoid debt, it was possible. She later earned her B.A. in Communications from Thomas Edison State University.
By day, Annie works as an accounting manager and business operations leader in the real estate industry. By night, she gives her all to help others overcome the biggest obstacle of their lives. She specializes in saving money and helping people free up funds in their budgets for the things that truly matter in life.
Annie lives with her husband in Boston, where she is fully committed to learning the piano!
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.