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Happy New Year & Welcome to Money Mic Drop!

It has been a recurring theme every new year for me (and almost everyone you know) to have personal and professional resolutions. This year the goals have gotten loftier and I’m going to push myself to both believe and achieve. Case in point, starting this blog! I've been thinking about starting a public money blog for many years, but there were many mental roadblocks that held me back ("What topics should I write about?", "I don't have the time", and "Will my blog matter in the grand scheme of things?"). 

Money is not a taboo topic for me. Many of the major money moves I've made didn't happen overnight. It took lots of time researching reputable websites, getting advice from people who I know have "been there, done that", and then apply my newfound knowledge into my own situation.

I'm very transparent about my retirement goals with my family and friends. I opened my first traditional IRA account in my sophomore year of college. After landing a full-time job out of college, I kept beefing up my retirement funds through different streams of tax-deferred and tax-free accounts. I've also negotiated every promotion and new job as I moved my way up my career. Fyi, I'm currently in my late 20s and I have no issues turning down a lavish dinner and suggesting a potluck instead. There are so many ways to have a good time with those that matter to you and still be strategic with (aka save) money.

Here are three points of financial advice that I've received many times and wholeheartedly share: 
     1. Know your income and spending: what are you making, what are you spending on, where can you cut back, etc.
     2. Start saving as much and as early as possible: emergency savings accounts, tax-free and tax-deferred accounts, IRAs, 401K plans, etc.
     3. Make your money work for you: guaranteed return, passive income, professional development, "good debt", etc.

From what we saw in the financial markets this past December, we know that there are going to be major economic activities that, as individuals, we won't be able to control (it's up to the Federal Reserve or a governing body) nor necessarily predict (otherwise we would all be multi-billionaires). However, you can control your own actions and how you manage your own personal finances; see those 3 points above!

With that all said, my goals for this blog in 2019:
     1. Hold myself accountable to my financial journey through a public blog, with a minimum of 52 posts this year.
     2. Add value to my readers by:
          - Being #relatable by sharing real facts and figures from my own life (or real people who I know) instead of offering generic content
          - Discussing ways to put yourself first and stop being at the mercy of external factors 
          - Increasing your comfort with money, negotiations, and what to do IRL situations.
          - Helping you navigate the plethora of resources online, and steer you away from bullshit ‘get rich quick’ schemes and gimmicks.
          - Being #relevant and entertain you with money memes.
     3. Learn from your comments and feedback and create a positive return on investment for me and my readers.

Looking forward to having you join me on this journey!

via GIPHY (Rihanna: So 'bout that money...)

For more money gifs and memes, follow me on Instagram: https://www.instagram.com/moneymicdrop/  

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