Joy Liu

Financial Trainer

she/her

Wilmington, NC

Joy's passion for personal finance sprouted from the power and agency she felt after learning the principle of paying yourself first and building up her emergency fund. The emergency fund gave her the freedom to leave a toxic job without already having another one lined up. She then decided to dedicate her life to helping others gain that same sense of financial confidence to make life choices based on what was right for them and not be at the mercy of a paycheck.

What is your favorite money motivational song?
She Works Hard For The Money - Donna Summers

What are your best and worst money decisions?
Best: Saving as much money on rent as possible when I lived in NYC allowed me the financial freedom to actually experience the city without accruing credit card debt. Also, my $20 monthly coffee bean subscription. My morning cup of coffee every day makes me so happy and I'm happy to pay slightly more for a smaller, higher quality roastery.

Worst: Leasing a quality vehicle that holds its value instead of just buying it.

Joy’s Favorite Financial Exercises
Retirement Planning, Credit Card Hacking, and Marrying Couple’s Finances.