Annie Margarita Yang is an accounting manager in the real estate industry, personal finance YouTuber, blogger, and author of 1001 Ways to Save Money: Quit Flushing Your Hard-Earned Money Down the Toilet. She dodged student loan debt by going straight into the wonderful world of minimum wage jobs after high school. During those years, she developed her love for frugal living, self-education, and planning for the future. She later earned her B.A. in Communications from Thomas Edison State University.
An Asian-American millennial, Annie shares practical money advice with a fresh and playful perspective. She specializes in saving money, helping people free up money in their budgets for the things that truly matter in life. Annie’s online audience loves her for her holistic, authentic approach toward finances. She truly cares about creating high quality, in-depth content to empower individuals to take control of their lives. You will never find her posting get-rich-quick schemes or listicle style content full of mindless, forgettable drivel.
Annie currently lives with her husband in Boston where she cooks new recipes from scratch for leisure—and to save money!
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.