I’m Miss F.I.R.E (financially independent retired early at age 35)

I’m an immigrant

I live life on my own terms

I think you can do it too!

Img of a girl
miss fire family


-Miss FIRE

Don’t give up

Pain helps you rise up even stronger

Start with the end in mind

If you think you can do it, you can

Each journey begin with a single step

If there’s a will, there’s a way

Live with purpose!

Every great dream begins with a dreamer. You have within you the strength, the patience, and the passion to reach for the stars to change the world.

Every Journey Begins with a Single Step

In 2001, at a young age of 21, I had barely graduated college, with little to no hope, I migrated to the US. For a couple of years, did a few odd jobs to eke out a living. Fortunately, my sister suggested I try working in health insurance. In the beginning, I wish I can tell you, I was born to do it. But the truth is, I struggled,  and many times I’ve thought of giving up.

I had to force myself to get out of my comfort zone. I worked hard on learning the insurance system, process and the art of selling coverage that my clients needed. In a relatively short time, I became one of my agency’s top producers. Shortly after, I was hired away by a commercial agency for bigger opportunity to handle business accounts and coverage.

miss fire single step

Pain Helps Us Rise Up Even Stronger

miss fire accident

When the going gets tough, the tough gets going...

Things seemed to be going well, then shit happened. I was rear-ended -- twice! -- in auto accidents and, for a while, I was unable to work. I went on disability and lost my job. I felt trapped, hopeless and depressed. It took over a year and half to recover and got some healing done to my body. My specialist suggested a surgery on my spine due to horrible pain cause by whiplash but I didn’t want to do it due to its delicate procedure. But I chose not to do the surgery and chose to heal naturally.

miss fire pic

Don't Give Up

Do you ever wonder why do bad things happen to good people? I’m a good person. I go to church, I help people, I give a generous 20% tip, I recycle, I drive careful and most of the time within the speed limit. Why not just one but two car accidents within two months? I could have easily given up but I had to will myself and believed that things are going to get better.

I believe this to be true, there’s always hope at the end of the tunnel.

I was determined not to be defeated by my chronic pain and my career setback. In October 2013, still having chronic pain, I made a decision to go back and work as an independent health insurance agent. This time, armed with experience and determination, I made a decision to make things happen.

Are you FIRED up yet???

Retire Hacks is about my story, other FIRE heroes, inspiration, side hustles, passive income, and retire hacks.

Are you ready to start your journey to Financial Independence and Retire Early? Time is ticking. The best time to plant a tree was 20 years ago, the second best time is NOW!- Miss FIRE

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My Story

Everyone has a story. Mine is about an immigrant who achieved FIRE living!

Passive Income

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