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Author: Sandy Yong
Sandy Yong
Sandy Yong, licensed CFEI®, is an award-winning author, personal finance writer, and keynote speaker with a proven track record of empowering millennials to achieve financial success. Sandy is the author of The Money Master: Inside Secrets on How to Make Your Money Grow and Stay Safe. She draws on her expertise in financial literacy, stock market investing, and real estate to simplify complex financial topics for her audience. As a Certified Financial Education Instructor and TEDx Speaker, she has appeared in hundreds of media outlets including Forbes, Yahoo! Finance, GoBankingRates, NBC News, BNN Bloomberg and many more.
Back in the day, people were tricked by snake-oil salesmen. Fast forward, and we’re seeing much more sophisticated scams on the rise. When you’re shopping for a Black Friday deal or buying gifts for the holiday season, you might come across a deal that seems too good to be true. And how can you tell if it’s real? Considering that Americans lost $2.1 billion to scammers in 2025 (according to the data from the Federal Trade Commission), it’s getting harder to spot scams these days. In particular, social media scams resulted in far more losses than any other type of…
As a working adult, you’ve probably tried different ways to track and manage your earnings and spending. There are all sorts of budgeting methods out there. From the 50/30/20 budgeting rule to the envelope method to the zero-based budget. Plus, there are budgeting apps designed to help you stay on top of your household spending. But over time, a lot of people get discouraged because they feel too constrained or exhausted from tracking every penny. It’s no wonder that about half (51%) of Americans are constantly stressed out about money, based on a NerdWallet survey. Don’t blame yourself if you’ve…
Do you feel like whenever you buy groceries or fill up the gas tank, it’s depleting your wallet? Well, you’re not alone. You face the harsh reality if you live in an expensive city like New York or Seattle. And you can’t really control inflation, interest rates, or tariffs. It’s a tough balancing act when so much is out of our control. So, how do you rein in your daily living expenses while saving for your future? One idea you might be floating around is moving to a cheaper area. It could be as simple as moving to a new…