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Save My Cents I teach you how to retire and reach work optional

More of these stories will be shared soon!And inside The Wealth Club (a new subscription from Shang 💸 early retirement +...
10/21/2026

More of these stories will be shared soon!
And inside The Wealth Club (a new subscription from Shang 💸 early retirement + frugality) we also do dives into sample anonymized budgets to make it more real.

The first month of membership in the club is free, comment CLUB for more info.

Always have a fully funded emergency fund before you rush into investing. Cash still matters a lot in a recession!Follow...
10/20/2026

Always have a fully funded emergency fund before you rush into investing. Cash still matters a lot in a recession!

Follow Shang 💸 early retirement + frugality for retirement content with a focus on frugality

I struggle with money emotions all the time because I am still human! While I have been able to rationalize and become m...
10/19/2026

I struggle with money emotions all the time because I am still human! While I have been able to rationalize and become more abundant over the years, it has to be a conscious effort to recognize how I am blessed. Otherwise, I just as easily fall into a rabbit hole of thinking I don't have enough or I'm not doing well enough, like everyone else.
Follow Shang 💸 early retirement + frugality for honest and authentic reflections and learn how to save and invest for your retirement

10/18/2026

Compound interest is truly a wonder! Congrats to mama Jessica for being amazing and sharing financial literacy with your kids. Hope this inspires them to build their wealth! ❤️❤️❤️

10/18/2026

I worked on the brand strategy team from 2013-2016. And even though internally there were debates on whether the brand should evolve and in what way, you can still see the hands of the old school leadership play out: the Angels represented a fantasy.

And then as we all know, the implosion happened

Quite honestly I don't care enough for them to go either way. But what I do think is important to talk about is that their fantasy isn't something we the people need to live up to or even want.

I've had my own recovery journey after 3 kids, each one has its own challenges. And I actually found it most helpful to just do it in my own head and on my own timeline, without comparing it against other outside standards.

10/16/2026

Sorry to break it to you but there is no miracle to get successful.

Short of being born as a nepo baby or inheritor, the rest of us have to hustle, grit, fight, for everything we can get. And that's the honest truth. Whenever you feel discomfort, remind yourself that it isn't always wrong. Sometimes the discomfort is the barrier to entry - it weeds out those who don't want the success enough.

You don't need to pay anyone thousands of dollars to learn success. You need grit. If anything, investing in your mental health is what gets you there

Follow Shang 💸 early retirement + frugality to learn the mindset behind success in personal finance

I began group coaching actually back in 2019 and found that half of the people drop out of each group every year during...
10/16/2026

I began group coaching actually back in 2019 and found that half of the people drop out of each group every year during the course (which was 5 weeks at that time). I made the course simpler. I made the prompts easier. I iterated on making the materials shorter. I landed on 3 weeks.

I have tried to encourage people through discounts (you get money back if you complete coaching!), through just pleading and asking, but the latest iteration is literally, the rule that I remove someone from a group if they stop. And that seems to have been the most effective change of all. It shows me whether you actually want coaching at this time.

If you truly want to change your life, you will do it. And once you start and see results, then your money transforms. It works.

I can choose not to care. I can just collect someone's money and go on. Plenty of finfluencers who sell courses know they can just make a quick buck from people who buy courses and never read / do anything.

I care too much to let that happen. But, I also cannot make people do something out of pressure. So for now, removing someone from a group (after a few warnings) has been the most effective way.

Comment JAPAN if you want details on where we went on our 4th trip as a couple to Japan with a focus on Hokkaido! All co...
10/15/2026

Comment JAPAN if you want details on where we went on our 4th trip as a couple to Japan with a focus on Hokkaido! All costs are for the two of us, so for lodging it assumes double occupancy.

For many parts of Hokkaido I was reminded of the Miyazaki movie, Kiki's Delivery Service, hence the audio for this post 🎥

Leave questions in comments.

Just wanted an excuse to sneak in a photo of Keanu Reeves World of John WickLearn about coaching and other offerings fro...
10/14/2026

Just wanted an excuse to sneak in a photo of Keanu Reeves World of John Wick

Learn about coaching and other offerings from Shang 💸 early retirement + frugality by commenting COACHME. I also do AI analysis of your expenses, I have a Wealth Club membership (first month free), and I have a super easy to read book that covers personal finance with a mental health focus!

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