CoachKhang

CoachKhang A Hmong woman sharing knowledge about
personal finance, investing, and entrepreneurship.

YT: https://www.youtube.com/CuaKay

I don't post selfies here often; I post results, information, and instructions.

Like Cardi B said in her 2018 civil trial, "when you're pregnant, I'm very disabled." It's completely true. I'm on day 9...
08/01/2026

Like Cardi B said in her 2018 civil trial, "when you're pregnant, I'm very disabled." It's completely true. I'm on day 9 of recovery and I'm not moving at my "normal" pace.

If you are the person giving birth, you may be eligible for STD and you'll want to use this first. You can't use it later because you'll be healed = not disable. I will be getting the max of $700/week. This company even uses Zelle to deposit. Once my STD is exhausted, my company also has their own paid parental policy too. I'm grateful these programs will help me financially as I bond with my baby girl. I love being a mom to her; I just hate being in pain while be a mom.

Here's my birth delivery bill. I was at the hospital for 3 days. It'll probably be another $10k if I had a c-section.Thi...
08/01/2026

Here's my birth delivery bill. I was at the hospital for 3 days. It'll probably be another $10k if I had a c-section.

This bill is pending the insurance. According to my insurance, it should all be covered. The worst case is that I'm stuck with the bill and that will affect so many financial parts of my life.

This doesn't even include baby's bill. She got her own, lol.

I can't even imagine what others go through. I only poked my fingers for 3 days worth (12 times) and one time with the s...
07/12/2025

I can't even imagine what others go through. I only poked my fingers for 3 days worth (12 times) and one time with the sensor. Beware, you might bleed from the sensor needle; however, it doesn't stay inside your arm.

I recommend this for anyone who's monitoring their glucose. Remember, I met my health insurance deductible, so I didn't have to pay anything out of pocket.

You might need prior authorization from your provider to your pharmacy. My insurance even sent a letter too. My pharmacy is Walgreens and I got it within a week. I originally went through CVS and it was just a pain; workers didn't know what I needed and I also didn't know what I needed. But even then, they didn't even make the effort to call and ask me what I actually needed.

Less than 3 weeks to go until baby girl is here!

I will always be team prepay/Cricket, but this seems like a good deal. New year, new baby, new phone? LOL.
06/12/2025

I will always be team prepay/Cricket, but this seems like a good deal. New year, new baby, new phone? LOL.

The state of MN is implementing PAID FMLA starting Jan 1, 2026 and I am so excited for it. It's going to allow me time t...
30/11/2025

The state of MN is implementing PAID FMLA starting Jan 1, 2026 and I am so excited for it. It's going to allow me time to recover from birth, take care of the baby, and finally sell my house.

Selling my house was a huge goal for 2025, but I couldn't make it happen. I will come to peace that:

+ the bedrooms are empty
:( the garage is not empty
+ everything I don't need is in the living room

And to be honest, a deep part of me hasn't come to peace with letting it go. Maybe that's why it hasn't happened. Because I know how I am; I make things happen.

It was my baby, at 3.5% and I'll never get that again. It was supposed to be my passive income.

And it's ok, Choua. Everything always works out and you always end up regretting the delay. You're already at the finish line, just let it go. Better things are coming, and you need to make room for it.

You already know I’ll save as much as possible for all these new baby costs.My ShopYourWay Citi credit card accumulated ...
20/11/2025

You already know I’ll save as much as possible for all these new baby costs.

My ShopYourWay Citi credit card accumulated $200+ points and I redeemed it to cover this.

Next up is the car seat and stroller travel set, which there is a Black Friday sale at Kohl’s! I can’t wait to place the order later. It’ll be about $100 out of pocket for the set after kohls cash and giftcards. Most of my baby items are from Kohl’s because they just have the best sales. I hoarded bottles and baby clothes at 50% off. Most of the time, I usually have Kohl’s cash to use or I’ll earn from buying things in Kohl’s. The Kohl’s credit card gives back 7.5% in points for Kohl’s purchases.

It’s definitely a good card to have and one of two store credit card I recommend. Maybe open it during Black Friday. It restricts discount on brand name items though, like anything Apple, Nike, or Adidas. I don’t care about that because I’ve grown to love Lauren Conrad’s brand, which comes in petite sizes too.

Even if brand name items are excluded from sales, it’s still a better option to buy from Kohl’s because you’ll get Kohl’s cash to buy other things at Kohl’s.

I have a small registry at Target if anyone wants to bless this baby ❤️
https://www.target.com/gift-registry/gift/babythor

Wow. Can it get any easier?I wished I was depositing my teen and 20s into a Roth IRA account and not ever touch it.
17/11/2025

Wow. Can it get any easier?

I wished I was depositing my teen and 20s into a Roth IRA account and not ever touch it.

I asked chatgpt if rolling credit cards would save more money over time than staying with a car loan. The result was wha...
16/11/2025

I asked chatgpt if rolling credit cards would save more money over time than staying with a car loan. The result was what I expected, yes!

That is why I encourage getting/maintaining a high credit score. I never want a car loan ever again. I never want any kinds of loans, unless it's a mortgage (maybe :P). I will only keep opening credit cards and deal with a 1 time transaction fee.

Again, credit card monthly payments actually go down. Meanwhile, most loans stay the same the entire time, and IMO, it hurts you.

For example, if you have a $15k car loan, it will look like you owe $500 forever until you pay it off. With a $15k credit card balance, it'll change over time as you pay it down ANNNNND the amount due is also usually only 10% of the balance, which makes it look like you are obligated to a lower bill. A $15k credit card balance means you only owe $150/month on paper.

ANNNND omg, credit card payments are usually clear. When your interest is 0%, all your payments are applied to the balance. With a car loan, $450 goes toward your loan, and $50 goes toward the interest. I'm just throwing numbers out there for examples; you get the concept.

A tale of 2 deductibles.This was interesting. As I'm preparing for a family plan next year between going with my or my h...
12/11/2025

A tale of 2 deductibles.

This was interesting. As I'm preparing for a family plan next year between going with my or my husband's employer, I compared our current plans. His deductible was only $600 and mine is the $3,300 side. The pregnancy example is really bad because it doesn't cost $12,700 to have a baby with delivery.

I'll need to review his 2026 rates and details before we make a decision. I'll keep you all updated.

Deductible is so important when deciding what option to go with. It's also why you want to make sure you factor what a c...
11/11/2025

Deductible is so important when deciding what option to go with. It's also why you want to make sure you factor what a company will cover for health insurance when applying/accepting a position. This doesn't really matter if you're single. It will matter more when you transition into a family.

My employer's family plan has jumped from $6,600 deductible in 2025 to $9000 for 2026. That means I will have to pay $2400 extra before the insurance kicks in. But I'm really coming from a single plan of $3,300 in 2025 and debating if I want to do the $9000 family plan for 2026. That's an additional $5,700 I have to pay upfront before insurance kicks in.

What's the difference, or what does this all really mean? In 2025, my baby will cost me $3300. In 2026, if I have another baby, it'll cost me $9000 deductible and an additional $434.00 monthly premium of my paycheck to have health insurance ($434.00*12 = $5208). $9000 deductible + $5208 monthly premium = $14,209 GRAND TOTAL FOR MY 2026 baby.

Yes, healthcare in the US is crap. Cries in Hmong.

Most workplaces should have open enrollment starting Nov 1.What is open enrollment?It's where you sign up for benefits a...
31/10/2025

Most workplaces should have open enrollment starting Nov 1.

What is open enrollment?

It's where you sign up for benefits at work, if you're eligible.

Why is it important?

So you don't pay full price when you need dental, medical, vision, or other health services. Sometimes it makes sense, and sometimes it doesn't. I didn't care much for it in my 20's but now that I understand money, I wished I did, like maximizing the 403B company match and HSA/FSA.

My employer pays for our dental insurance. I got lasik done in 2023, so I can waive the vision benefit forever now. For health insurance, I currently pay $22/check.

Next year, I'll have to decide whether I want to opt for a family plan, which comes in four amounts: $434, $460, $1108, or $1272. I'm thinking of going with the lowest amount of $434 because the family deductible amount is $9000. The higher two amounts have a $10k deductible, but I'll be paying more monthly over time. Plus, with the $434 amount, I can enroll in an HSA account, which the max family limit for 2026 is $8,750. An HSA is a pre-tax account, meaning contributions are made with money that is not subject to federal income tax, which reduces your taxable income. So i'm guessing that means $434 * 26 paychecks = $11284 + the $8750 = $20074 will not get taxed. Meaning my salary will look like I make $20k less.

How are your work benefits?

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Minimalism.Money.Hmong

Hello everyone! My name is Cua and thank you soo much for stopping by. My goal is to provide as much knowledge from my own personal experience to help you make better decisions about yours. Some of my favorite topics I will share on this platform are minimalism, money, and my Hmong identity. Don't worry, I'm still a girl who enjoys food, fashion, traveling, and trying products, so I'll sneak a few of those in as well.

===Connect with me 😍===

💜FB: https://www.facebook.com/cuakay

💙IG: https://www.instagram.com/cuakay