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.

Remember, since my deductible has been met, I don't owe anything anymore at my visits. That's why the column "Amount You...
29/10/2025

Remember, since my deductible has been met, I don't owe anything anymore at my visits. That's why the column "Amount You Owe" is showing $0.

What is a glucose test?

Google: A screening procedure used to detect gestational diabetes (GD), a type of diabetes that develops during pregnancy. Gestational diabetes occurs when the placenta produces hormones that cause high blood sugar levels, and the body can't produce enough insulin to compensate.

What were my results?

I failed. The number to meet was 139 or lower. I was at 161. The test is from the placenta, which is a combination of both parents.

What does this mean/what's next?

I went back for a 3 hour test, and they drew blood out of you four times for more results to compare (so you wanna make sure you're "healthy" at your first time and pass). If you ever have to do this, bring something to entertain yourself. You'll go in, they'll draw your blood, then you sit in a waiting room or a patient room for 1 hour, then draw blood again, and this repeats until they have 4 shots out of you.

I'll show you the 3 hour glucose costs next when I get the results back from today's visit, 10/28.

I decided to DRIP my dividends because I don't want to think about it.
24/10/2025

I decided to DRIP my dividends because I don't want to think about it.

Choua, why don’t you just pay off your debt?Your rich bff has a 7% rule. If the debt is higher than that, pay it off. If...
22/10/2025

Choua, why don’t you just pay off your debt?

Your rich bff has a 7% rule. If the debt is higher than that, pay it off. If not, it’s ok to invest while paying it off. I used to be team 💯 debt free until I heard Robert Kiyosaki say, the government is printing paper.

Honestly, I think sh‼️t is going down and I’m going to hold as much cash as possible in a HYSA. I’m holding cash to be prepared for situations that requires cash only.

This shut down is affecting people, especially “poor” financially managed people. They will not be able to pay rent or a mortgage, which means they will lose their housing situation, which will be a worst situation. Some people with low/bad credit will have to take out loans, they will get hit with high interests. Some people will fall behind on their bills and get late fees that will rack up.

That is why a high credit score might keep you afloat for a bit until the storm is gone. Obviously, this isn’t advice for people who have their life paid in full all the time. Great for you! You figured out life’s formula.

https://www.instagram.com/reel/DQEs1oLjtiN/?igsh=MWRud2puYmpxNDJhOA==e

Remember how I was going to pay off my student loans by September? Well, I forgot about it. Then I was almost going to d...
20/10/2025

Remember how I was going to pay off my student loans by September? Well, I forgot about it. Then I was almost going to do a balance transfer from my credit card at 1.99% with a 3% transaction fee to pay it off, and pay that off in 18 months instead.

Then I remembered the government is currently shut down. My interest is supposed to resume and I'm supposed to also owe a monthly amount too, but I'm not seeing either. Therefore, I'm gonna let things play out for bit and then decide on a transfer by the end of October.

Grateful baby girl has been very active and is on track with her growth. This is the estimate for my delivery bill in De...
20/10/2025

Grateful baby girl has been very active and is on track with her growth. This is the estimate for my delivery bill in December when she is here.

Some electronic health records (EHR) systems might have the option to view pricing estimates. I'm currently in the MyChart-Epic system and it's under Billing and then Price Estimates. You can always call your insurance provider if you prefer to have a conversation over the phone. My insurance is with Medica through my employer.

I've heard about SoFi for a long time and put it off because Synchony was doing the job for me. Here is a list of all cr...
17/10/2025

I've heard about SoFi for a long time and put it off because Synchony was doing the job for me. Here is a list of all credit cards that I own or have been added to as an authorized user. My current total limit is $181k.

There was a $325 bonus, so I decided to check out SoFi.

If you want to earn $325 for making the switch, use my referral link.
https://www.sofi.com/invite/money?gcp=3c6b454d-86d6-47f7-8204-0b1e43812232&isAliasGcp=false

To earn it, you will need to:
1) Open a checking AND savings account (which gives 4.5% APR for the first 6 months and then the normal rate of 3.8% after)
2) Set up direct deposit within 60 days
3) Direct deposit must total over $5000 within the first 30 days
4) Let the account stay open for 6 months

Haven't been sharing my dividends in a while.CONY is now $6.17, while my average is $10-$12MSTY is now $11.63, while my ...
17/10/2025

Haven't been sharing my dividends in a while.

CONY is now $6.17, while my average is $10-$12
MSTY is now $11.63, while my average is $26.78
TSLY is now $8.18, while my average is $14.62

I am losing money based on the price, but it's getting balanced by the dividends.

The stocks I bought later that are doing really well are the legendary VOO ($605) and QQQ ($597/stock). They're going to keep going up.

Hello everyone. I haven’t introduced my husband, Eric, on this page, so here he is. I’m not hiding him or anything; he’s...
15/10/2025

Hello everyone. I haven’t introduced my husband, Eric, on this page, so here he is. I’m not hiding him or anything; he’s on my personal page often.

This is a great time to talk about why I finally got married to help those who are at that part in their life.

I came across a video the other day about marriage and it said men marry when they have clarity and women marry based on age/timeline. I couldn’t agree more with it.

In my 20’s, I had time (du***ss self), so I took my time. I stayed in relationships that were below or at the bare minimum because I’ve always been independent anyway. I’ve always expected myself to get the things I needed done. Trust me, I assemble and load everything I sell on FB marketplace lol (cries in Hmong).

I’m a “simple” person, lmfaooo. I mean, I don’t care for fancy or expensive dinners. I don’t need anyone to pay for my trips or bills. All I want is hikes/active hobbies, homemade food, a clean home (counter free kitchen), and bills paid. However, just because I don’t ask for anything else, doesn’t mean that’s all I should get though. The “wishlist” is simple so that my partner doesn’t “fail” in my eyes lol.

As I reached my 30’s, I realized, “dang, if I want kids, I might need to get going.” I was in a relationship that wasn’t on the same timeline or took too long to be on the same timeline. My ship sailed because I chose happiness (whatever that is) alone over a relationship. It was also cheaper :P. I focused on increasing my credit score, work/career, and saving for a house and ultimately buying a house.

Then I met my husband and he changed my view about marriage/commitment.

Turns out, I had just been with the “wrong” people.

He accepted me for everything I was (like being extremely clingy, attached, and wanting physical affection all the time) and am (wait, I think? Lol). I’m obviously an approachable and friendly person, but he was able to decipher me in my secret “language” ways. We shared a lot of the same values, ethics, and discipline. Then I realized he was also tall :P.

Something I struggled with often is his help. I wasn’t used to someone who would just complete a job/task without me. I’m also annoying when I try to inject myself with a job/task he’s doing too. I’m a major backseat driver lol.

The biggest difference I saw in him was how he handled my "masculinity." Growing up in a family of seven girls and three boys, without an older brother, the girls became masculine. The relationships before my husband always made me feel like I was intentionally being an "alpha" in the relationship. But with my husband, I never feel that way, and he never feels that way (I think? lol, jk!). My success, trash talk, backseat driving (lmfaoooo), pettiness, "independent women" moments, "men ain't s**t" lmfaooo, and view on life do not bother him. He's able to take it all in, and it allows me to transition to be a very feminine and soft person. I wasn't able to be that because I felt like I was always fighting lmfaoo or taking charge. Ultimately, I found someone I can trust with my heart and who can be a safe place for me.

The few questions/observations I had were
- Would I want to be stuck on an island with this person?
- Would I want to be on the same headstone with this person? Lol
- Is this the person I want to have kids with?
- Is this the person I want my kids to model after?
- Do I constantly need to tell/remind this person “right” from “wrong?”

If you’re at this part of your life, I hope those questions will help.

📸 ThorPhoto&Film

Current pregnancy medical claims so far. The deductible was met because of Natera Inc, so I don't have to pay anything o...
14/10/2025

Current pregnancy medical claims so far. The deductible was met because of Natera Inc, so I don't have to pay anything out of pocket for the rest of the year.

Unfortunately, my deductible will restart in January, so baby girl needs to show up before the year ends lol. I'm curious and can't wait to show the delivery bill in December.

This is my local bank in Wausau, WI, CoVantage Credit Union.When you have a high credit score, your money/business is in...
18/09/2025

This is my local bank in Wausau, WI, CoVantage Credit Union.

When you have a high credit score, your money/business is in high demand. That's why I keep reminding everyone to work toward that goal. It's so unfair that the ones who need these rates can't and should get them and the ones who don't gets them.

I won't be using this because I'm on 0% already. My highest interest balance is about 4% through student loans. The banks will need to beat that if they want my money.

Wow. It’s amazing how $200 biweekly can really add up. My mom always said, if you don’t control your money, your money w...
03/09/2025

Wow. It’s amazing how $200 biweekly can really add up.

My mom always said, if you don’t control your money, your money will control you.

This is my HSA. I will be hitting $4300 by the end of the year. I was hesitant about having $200 “less,” but I’m glad I went with it because I don’t have this much sitting elsewhere.

I use my HSA as an investment account through Fidelity and not to reimburse me for medical purchases.

Why?

The money will grow tax free. It’s basically like a Roth IRA.

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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