About us

Ms 99to1percent

Blogging about Personal Finance along with a little touch of humor. Immigrant who started from the bottom and now I’m here…to tell my story, inspire and learn from others. Paid off $40K in student loans before graduating. CPA. Saved a $100K emergency fund in my 20’s. Hopping to pay off $500K+ mortgage within 5 years at 39. Hopping to become financially independent at 45. Happily married. Mom of 1.

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31 responses

  1. Zach says:

    So excited I came across your blog. Found it on Budgets Are Sexy :D. I’m super excited to see everything you post about. Look forward to reading more!!

  2. BD Mike says:

    Likewise – I came across your blog via J Money’s Directory. You have a nice site and look forward to reading more.

  3. I am in a similar situation to you guys (with less wealth though!), also a mother of a baby – 6 months – and together my husband on our way to financial independence 🙂 Plus, I work in banking and my husband in IT!

    With EUR 2million assets, wouldn’t that be enough for you to live out of your investments?

    Looking forward to hear your stories!:)

    • Oh wow, you are like my European twin 🙂 I live in Canada by the way and I wish that 2M networth was in EUR, but unfortunately it’s in Canadian dollars which is about 1.37M EUR 🙂 Also a lot of it is tied up in our primary home. Stay tuned, there’s a post coming up soon about it. We might downsize later on and cash in, but that probably won’t happen until the kiddo is grown and out of the house 🙂

  4. Chester says:

    WOW. Awesome story and excited to see what the future holds for you both. Found you on the rockstartfinance forums and was very inspired. Look forward to read up on furure posts and tips to be able to reach the 1% 🙂 Cheers and All the Best.

  5. Here’s a very encouraging email we received from one of our subscribers . He has authorized us to share it with you guys:

    “Hi Ms/Mr 99to1percent,

    I’m emailing you to say that I am really enjoying your new blog. I am already trying to apply some of the information to my own career (just coming up on my 1 year work anniversary) . I too fell into accepting the initial offer and I should probably be on 10/15% more than I am, but at the time I felt it was a reasonable salary and more than any of my classmates would be starting out on.

    I would really love if in future you could go into more detail on developing a career plan and path to follow. It’s something I am constantly working on but I am in a weird niche, so it’s tough to find examples of career paths I could take. Once again, keep up the good work on the blog, I am really like the writing style, it’s pleasant to read.”

    Dear reader,
    As you requested, we will make sure to write a little bit more on developing a career plan and path. Stay tuned.

  6. Mr. Groovy says:

    Holy crap, I love you guys. I’m so glad you stopped by my humble site and left a comment. Now I have another rollicking good blog (yours!) to inspire me. Keep up the great work. Cheers.

  7. Jennifer says:

    I have been following your blog but this is the first time I have actually read your “About Me” page.

    Wow, you guys are amazing, you achieved so much with so little. You guys are the best, you keep me motivated. Keep it up.

  8. You guys are both high achievers! I love it why did you decide to build the emergency fund so high 100K when first getting started?

    • Fear of going back to being broke 🙂

      Also, it has allowed to take advantage of multiple business opportunities which have made us some handsome returns. And we use those returns to top up the emergency fund again.

      • Nothing wrong with that. I see a lot of young people stacking up cash and forgoing investing. I feel like I would rather put my cash to work and swing for the fences now before a family then to have a large emergency fund. Worse comes to worse I can hustle for some extra cash if needed! I feel like even now at 27 time is my enemy and I want to deploy as much money as possible to compound in the future.

        • You are right. Having an emergency fund doesn’t mean you can’t use it to pursue some opportunities. I think our emergency fund has actually made us way more money than all our other investments combined. We will probably write a post about it sometime in the future.

  9. This is very inspiring guys!! I am glad that I visited this page. Its great to see how you were able to reach heights from very humble beginnings. I wil try to follow your path of financial freedom

  10. I also would like to wish all the very best for all your future endeavors!!

  11. Do visit my small blog whenever you guys have time!!


  12. swedendivin says:

    Hi I also have a little daughter 2 month 🙂
    We are also FIRE couple 🙂 check out my blog and say what you think.
    I like your blog very informative.

    Greetings from Sweden.

  13. Carla. Still says:

    Hi, kudos to you awesome young people! Which post would be best for a 69 yr old retired divorced nurse………..with very little money.?My only income is SS. I do have a few talents and own a small run down home that I will soon move into. $10,000 available to make
    home liveable. Thank you, Carla

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