https://www.yumimoneygang.com/blog daily 1.0 2023-06-09 https://www.yumimoneygang.com/blog/what-to-do-with-your-savings monthly 0.5 2021-02-13 https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1602460612408-QZ3VKU52FVM7XA19W781/image.jpg Blog - The public answers: “I have $ saved up, what do I do?” https://www.yumimoneygang.com/blog/into-to-investing monthly 0.5 2021-02-13 https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1602459184598-DXKTRFSCTGNBXY7WKDCJ/image.jpg Blog - Intro to investing https://www.yumimoneygang.com/blog/understand-your-spending monthly 0.5 2021-02-13 https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1602461586541-5H72J2A66JQPHUNJII52/image.jpg Blog - Understanding your spending https://www.yumimoneygang.com/blog/saving-mindset monthly 0.5 2021-02-13 https://images.squarespace-cdn.com/content/v1/5ced960a97bd510001b7ecec/1559078407689-J8RBKLD6HS9EF7X3V3MD/Large+JPG-20140301_Trade+151_0206.jpg Blog - Intro to saving: establishing the mindset https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1600374889429-SJ88KJ6OACGCO6326R6R/12PRWByNOftNZWXh1DunGeX3ngn13e7jmyyr7ulY.png Blog - Intro to saving: establishing the mindset - From our friend Emily at fangfinance. 50% goes to your essential needs 30% goes to your wants 20% goes to your high yield savings account https://www.yumimoneygang.com/blog/investing-stock-market monthly 0.5 2021-02-13 https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1602461857197-FFM5009F5M5KKTQAQRFB/hongkong Blog - Investing in the stock market https://www.yumimoneygang.com/blog/money-lessons-first-gen monthly 0.5 2021-02-13 https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1602469087728-LW5D90YFXONRD2RGL1Y4/chi-lok-tsang-cOK8bHQCFOQ-unsplash.jpg Blog - Money lessons from growing up first-gen https://www.yumimoneygang.com/blog/-whats-with-all-these-credit-card-bonuses monthly 0.5 2022-02-25 https://www.yumimoneygang.com/blog/are-the-markets-too-high monthly 0.5 2022-02-25 https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1612776815339-H4TVBZ4GHPAIY7LAFKFB/Screen+Shot+2021-02-08+at+5.29.17+PM.png Blog - Are the markets too high? - The stock market is reaching all-time highs and it makes you question whether to start investing now. Will it go down? Should I wait? Nothing wrong with these questions, especially if you're quite new to investing. But you can't shake the feeling that you've missed out on the chance to get in as cheaply as back in March 2020. If you buy in now, you're pretty m uch going to be buying in at the all time high... https://www.yumimoneygang.com/blog/-free-money- monthly 0.5 2023-06-09 https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1613230282326-ZWQVZ0T50LITEXJORWQZ/image-asset.jpeg Blog - Free Money! - Other Personal Capital to track net worth https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1613227999371-OMDYEWR3AZRBAD79T4XL/image-asset.jpeg Blog - Free Money! - Credit Cards Discover ($50) Chase Preferred Sapphire (60,000 points) Chase Marriott (3 Free Nights + points) Chase Hyatt (up to 60,000 points) Chase Ink (up to 100,000 points, you don’t need to have a business fyi) Check here to see what we like about each. Why are points so valuable? See here for an intro on how we’ve used points from just 1 credit card to book a business class flight to Japan. https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1613228970144-FM491RL8DDV96JJJWKIW/image-asset.jpeg Blog - Free Money! - Savings Accounts Discover Ally Marcus by Goldman (0.20% higher APY for 3 months) https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1613227972019-XCCC9ORC6VDKOGDWP07H/image-asset.jpeg Blog - Free Money! - Investing Stash ($20 in stock) Robinhood (free stock) Sofi (free stock) Wealthfront (first $5000 managed free) Betterment M1 Finance ($30) Check here to see what we like about each. https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1613229320193-8O8N8A3OC9T36IBHOZ04/image-asset.jpeg Blog - Free Money! - Loans Sofi Personal Loans ($300) Sofi Student Loan ($100) Sofi Student Loan Refi ($300) https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1613229181449-FHZCV2IL7GC1AL3JYSVI/image-asset.jpeg Blog - Free Money! - Checkings and Debit Sofi Money ($50 and cash back) Cash App ($10 and cash back) Aspiration ($50) https://www.yumimoneygang.com/blog/hotpot-and-investing-are-really-the-same-thing monthly 0.5 2021-02-15 https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1613241330112-HZOFPQPU1VXTXIYYP1PW/hotpoot2.jpg Blog - Hotpot and investing are really the same thing Hotpot always requires some preparation ahead of time. It’s a hefty meal. Similarly, when you’re getting ready to invest for the first time, you’ve done your research. But then one day, you just gotta do it. When it comes to hotpot, the more the merrier. Same when it comes to investing-- how boring if it’s just 2 things! So for this scenario let’s imagine you’ve got 6 friends with you. Each friend represents a different investment type. And they each have their role in your portfolio. https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1613315823871-0ZHDGB88EVT9LRGCZFYF/image-asset.jpeg Blog - Hotpot and investing are really the same thing - If you don’t feel like doing all the work, the past few years have brought about great auto-investment products. For little to no fees, their algorithm will invest for you. They ask you things like your risk appetite and time range. These help determine the weights across different baskets, what to put in each basket, etc. Some like M1 Finance will even rebalance for tax-savings. Here is what we use (here is why). Reminder that we manage the facebook group and blog all in our free time, so consider using our referral links below! Thanks and happy new year! Top automated diversified investing: Sofi (offers both auto-investing and DIY) Betterment Wealthfront M1 (offers both auto-investing and DIY) Top DIY investing: Stash Robinhood Sofi M1 https://www.yumimoneygang.com/blog/new-year-money-moves-zmxhg monthly 0.5 2023-02-06 https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1613137148254-XILEGAD9QL6V521QM4GJ/image-asset.jpeg Blog - New Year, 6 Money Moves - Happy Lunar New Year! We hope you received (and gave) lots of red packets. By the way, what do you plan to do with them ? As is custom with the new year, now’s the time to clean up. When it comes to finances, yumi has tips for your refresh. Read on to make sure you secure that hongbao ! Note we added links to tools we use everyday. If you’re interested, sign up directly via those links since you’ll get a bonus! Usually it’s free money. Plus, it’ll also reward us for our work ;) https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1613140126440-856670SHY4SPTWRWN28I/image-asset.jpeg Blog - New Year, 6 Money Moves https://www.yumimoneygang.com/blog/opinion-bank-runs-are-an-unnecessary-evil monthly 0.5 2023-06-07 https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/ca5d4468-d795-464a-92dc-59a87b075d41/640ca5facadb7cc2954172ad_mSS7GcRnpSQwglODSFZoxlHN--AxETX1WJn4i7omol0jk1OmuhCxSBnq4yy8577CfKqmKC9dgQM249r77aLe_Uioerm_JOMacNyKuAEe-HJ6HIsG3YgU6qR4SaGaKW9uCJUH-CMNhq09A0BMgJ6OyUs.png Blog - Opinion: Bank Runs are an Unnecessary Evil https://www.yumimoneygang.com/blog/opportunities-during-high-interest-rate-and-high-inflation-times monthly 0.5 2023-04-21 https://www.yumimoneygang.com/blog/direct-indexing monthly 0.5 2023-06-09 https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1686113049169-EGT8FR92J1F4F5ZZC473/image-asset.jpeg Blog - What is Direct Index Investing? Direct indexing allows you to build a personalized portfolio of stocks that mimics a specific market index, like the S&P 500. Instead of buying shares in a mutual fund or ETF, you buy individual stocks directly. This means you become the owner of the actual shares of different companies. It's like handpicking the companies you want to invest in and creating your own customized fund. One of the main advantages of direct indexing is the ability to personalize your investments. Let's say you have some strong beliefs about certain companies or industries. With direct indexing, you can exclude or include specific stocks based on your preferences. For example, if you're big on renewable energy, you can invest in companies that focus on that sector. https://www.yumimoneygang.com/blog/category/Money+Management monthly 0.5 https://www.yumimoneygang.com/blog/category/Investing monthly 0.5 https://www.yumimoneygang.com/blog/category/Spending monthly 0.5 https://www.yumimoneygang.com/blog/category/Saving monthly 0.5 https://www.yumimoneygang.com/blog/tag/Investing monthly 0.5 https://www.yumimoneygang.com/blog/tag/stock+market monthly 0.5 https://www.yumimoneygang.com/blog/tag/investing monthly 0.5 https://www.yumimoneygang.com/blog/tag/Budgeting monthly 0.5 https://www.yumimoneygang.com/blog/tag/stocks monthly 0.5 https://www.yumimoneygang.com/about daily 0.75 2023-06-09 https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/72858885-de3d-4de9-aaf0-ed95919b06a2/328597008_780862249549773_6721219384644458717_n.jpg https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1603170636443-978ZIVXXLOY2YRGSOGN1/BF6BD5DE-857B-4BA1-BD0D-5DBA78616F9A.jpg https://www.yumimoneygang.com/faqs-1 daily 0.75 2023-02-06 https://www.yumimoneygang.com/savings daily 0.75 2020-09-18 https://www.yumimoneygang.com/subscribe daily 0.75 2020-09-17 https://www.yumimoneygang.com/invest daily 0.75 2020-10-03 https://www.yumimoneygang.com/contact daily 0.75 2020-09-18 https://www.yumimoneygang.com/spending daily 0.75 2020-10-03 https://www.yumimoneygang.com/recs-1 daily 0.75 2023-06-09 https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1675639250130-T8PH1P8STXTTEJ5BXTTJ/unsplash-image-Kwdp-0pok-I.jpg https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1613236664116-TICP7WUYBDZJWXKKNW4P/world_of_hyatt_card.png Recs! https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1613236974717-QNRNNJ0JDMT9P6OM8DQG/discover+card.jpeg Recs! https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1600446991760-0W3V0QN6SGSVT4GITS36/robinhood.png Recs! https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/ed29c83e-57c8-4304-a5be-a9dd39463b68/marriott.jpg Recs! https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/bb8987fc-e933-4243-94b2-90d73e3da404/chase_sapphire_preferred_FINAL-6dec0e7894764f5c860ef4fc7a09eb6c.jpg Recs! https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/37d767c9-6dca-4181-b080-f423ffaa4e2e/Stash-App-Investing-Saving-Banking.png Recs! https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1600446864569-7ZA82W9Y1X681JTBBRY1/sofi.jpg Recs! https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1613238058999-PRCPSW5VIR3182W4LOT4/m1+finance.jpeg Recs! https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/66f29784-5c4f-4115-a91d-a1b275ed154e/ink_preferred_card+%281%29.png Recs! https://www.yumimoneygang.com/travel daily 0.75 2024-01-05 https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1704468866424-4GONKFL0T9DEZ5ALOYEH/image-asset.jpeg Travel https://www.yumimoneygang.com/travel/5-steps-planning monthly 0.5 2023-03-04 https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1677911130154-VIVS1UWV2ZB0M9L1GQBT/unsplash-image-EY3tC81nFt0.jpg Travel - 5 steps to planning a trip https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1677911149337-RDGY4F3D08VTXW1KT7K9/unsplash-image-nlyWZtWTzCo.jpg Travel - 5 steps to planning a trip https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1677911181977-Q1AHUQ0FKB30AJCPSEPR/unsplash-image-qv9DvC2hh44.jpg Travel - 5 steps to planning a trip https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1677911542875-N77JOJ6VTITY8J2IHPPR/unsplash-image-L4YkM-ur5uo.jpg Travel - 5 steps to planning a trip https://www.yumimoneygang.com/travel/colombia monthly 0.5 2022-04-25 https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/5874ac9b-7681-4ff8-b0c2-b921535517a2/325140690_755655675609181_5395112708982210016_n.jpg https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1675655653868-VC3M2B3PLFBDN80H8KZH/unsplash-image-ZYyo-XV2sxE.jpg https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1650856562504-FMFZAXKALT45VUXQJ4I3/unsplash-image-GcHar4P8V_Q.jpg Travel - Travel Recs | Colombia Cartagena https://images.squarespace-cdn.com/content/v1/5f4e7f4763b9ad53a924bbcf/1650856582676-Z8H87DY7W6SPJ5PMSPSG/unsplash-image-Td7KC8TpaTc.jpg Travel - Travel Recs | Colombia Gautape. About 2 hours from Medellin. 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