Heartworth Financial

08/14/2025

I’m honored to share that I’ve been selected as one of 17 fellows in the 2025 FINNOVATION Fellowship Discovery Module!

This fellowship will allow me to deepen my work in countering financial misinformation and providing culturally aware planning for first-generation and underserved communities. Over the next few months, I’ll be engaging in structured learning, mentorship, and collaboration with a cohort of inspiring social entrepreneurs to create meaningful, sustainable impact.

Read about the full cohort here: https://bit.ly/46SdEhR

07/09/2025

Feeling overwhelmed trying to budget or picking the right app to manage your money?

My new blog post breaks down a simple way to organize your spending and includes a comparison of three popular budgeting apps:
✔️Monarch Money
✔️YNAB
✔️Rocket Money

Check it out here: http://bit.ly/4kvfs3t

And if you’ve tried any of these tools, I’d love to hear what’s worked (or not) for you!

Budgeting isn’t about perfection or restriction. At its core, it’s a way to create structure around your money so you can stay on top of bills, spend with less stress, and make progress toward goals that matter to you. For some people, that means tracking every detail. For others, it’s more ab...

07/01/2025

Mini Money Minute 🕒

When’s the last time you looked at your home or auto insurance? 👀

Whether you just bought a place or haven’t checked your coverage in years, a few quick updates can save you a lot of stress and money later.

Want more like this? Follow for future Mini Money Minutes!
📅 Or schedule a complimentary meeting today (see bio for calendar).

06/25/2025

Supporting Minnesota’s new personal finance graduation requirement means helping teachers feel confident answering the real questions students have.

Yesterday, I joined a panel of industry professionals speaking to teachers training through the MCEE Certification: High School Personal Finance program. We discussed practical tools like debit cards, how to bust myths such as “debt is bad,” how to reach students without strong financial role models, and how to address tricky topics like crypto and stock trading.

As a Hmong woman and first-gen wealth builder, I know how powerful early financial education can be, especially for underserved communities.

Thanks to Minnesota Council on Economic Education for leading this important work. I’m excited to see the impact ahead!

💬 What do you wish you had learned about money in high school?

06/11/2025

I’m proud to support Seeds4Hope, a nonprofit empowering young women in Southeast Asia through mentorship, education, and leadership development.

As part of their silent auction, I’m offering a one-time financial planning engagement to help raise funds for this important mission. If you’ve been looking for financial clarity, or know someone who is, this is an opportunity to get guidance while supporting Seeds4Hope’s impactful work.

🌟 A Huge Thank You to Heartworth Financial!

We’re so grateful for your generous donation of A Financial Planning xperience with Heartworth Financial; A Discover meeting, A Personalized Plan and A Follow-up Session Up to 2 hours of Additional Support to our Seeds4Hope online Silent Auction Fundraiser!

💙 Your support helps us continue empowering youth through mentorship, education, and cultural connection.

✨ Want to learn more about Heartworth Financial? Be sure to check out follow her page:

www.heartworthfinancial.com

http://www.facebook.com/heartworth

🗓️ Get ready to place your bids when our auction goes LIVE on June 10th, 2025 — don’t miss your chance to support a great cause and win incredible items like this one!

06/06/2025

I contributed to an Investopedia article!

Budgeting for taxes and getting your paycheck withholding right isn’t always easy. When a surprise tax bill hits, it can really throw your budget off balance.

This article shares 6 simple tips to help you regain control and stress less.

👇 Check it out here:
https://www.investopedia.com/tax-bill-shock-realign-your-budget-with-6-simple-tips-this-year-11744894

P.S. They spelled my name wrong (Yang, not Young 🤦‍♀️) but it’s still me, I promise!

A big tax bill can wreak havoc on your finances. Course-correct by making short-term cutbacks, improving long-term budgeting habits, and understanding tax obligations.

06/03/2025

Not ready to hire a financial planner but still want trusted guidance?

These free or low-cost resources can help with cash flow, debt management, investing, taxes, and more, typically through short-term or one-time support.

✅ Advisors Give Back - A nonprofit that connects you with volunteer financial advisors for free, one-on-one guidance. WEBSITE: advisorsgiveback.org

✅ Financial Planning Association of Minnesota - Offers pro bono services from CERTIFIED FINANCIAL PLANNER® professionals. WEBSITE: fpamn.org

✅ Lutheran Social Service of Minnesota's LSS Financial Counseling Program - Provides compassionate, judgment-free support for budgeting, managing debt, housing, student loans, and more. Based in Minnesota but serves people nationwide. WEBSITE: LSSMN.org/financialcounseling

✅ Prepare and Prosper - A Twin Cities nonprofit promoting financial equity through free tax prep, financial coaching, and programs that help people build savings and stronger financial habits. WEBSITE: prepareandprosper.org

✅ Savvy Ladies - Dedicated to empowering women with free financial education and access to volunteer advisors who provide personalized guidance. Open to women of all income levels and backgrounds. WEBSITE: savvyladies.org

📅 For more in-depth, ongoing support, schedule a complimentary meeting with us today. (see bio for calendar)

05/28/2025

Mini Money Minute 🕒

Last time, we talked about why estate planning matters, but getting the documents in place is just the beginning.

Your life, your accounts, and even the laws will change.

And when they do, we're here to help you stay organized, follow through, and keep everything working together.

Want more like this? Follow for future Mini Money Minutes!

📅 Or schedule a complimentary meeting today (see bio for calendar).

05/19/2025

Mini Money Minute 🕒

Let’s talk about something that too often gets pushed aside:

Estate Planning.

It feels complicated. It brings up things we’d rather not think about. But at its core, estate planning is about taking care of the people you love just in case life doesn’t go as planned.

When someone passes, there can be so much confusion… hurt feelings… and sadly, fights over money and what someone would have wanted. 💔

I’ve seen it. You’ve probably seen it too.

When wishes aren’t written down, families are left to guess. And sometimes, those guesses tear people apart, but it doesn’t have to be that way.

Why it matters:
✨ Estate planning is an act of love and clarity.
✨ It gives your family peace in a time of pain.
✨ It says: “I cared enough to make this easier for you.”

Whether it’s setting up a will, naming a guardian for your kids, or creating a trust, you’re giving your family the gift of certainty.

And for those who are single or don’t have children, you’re not off the hook! A Health Care Directive and Power of Attorney are still incredibly important so someone you trust can make decisions if you can’t.

What holds people back?
❌ “I’m not old enough.”
❌ “I don’t have enough money.”
❌ “It’s too overwhelming.”

But getting started can be simple.

🛠️ Some people start with online tools like Trust & Will, which can be a simple, cost-effective way to get the basics in place.

💬 For anything beyond the basics, working with an estate planning attorney is often the best way to ensure your wishes are clearly documented and legally sound.

📩 I’m not an attorney and don’t draft documents myself, but I’d recommend reaching out to someone like MY Minnesota Estate Attorney, PLLC. They’ll walk you through everything with care and clarity.

At Heartworth Financial, we help you look at the full picture, because estate planning isn’t just a legal task, it’s a key piece of your financial life. We’ll make sure your plan works together, thoughtfully and intentionally. 💜

Want more like this? Follow for future Mini Money Minutes, or schedule a call when you're ready to take the next step.
📅 https://scheduler.zoom.us/mai-yang-oaw2h5/introductory-call

05/15/2025

Helping aspiring financial planners take their first steps into the profession is something I care deeply about.

Through Goodwill-Easter Seals Minnesota and the Minnesota Financial Empowerment Initiative - MNFEI, I’ve been volunteering to support students preparing for the Securities Industry Essentials (SIE) exam by offering one-on-one financial planning guidance and education on debt management, savings, and investing.

I’ve also had the chance to return as a guest speaker, sharing how to apply tax strategies to real-world situations, explore career paths, and understand what employers are looking for when hiring.

I didn’t learn about financial planning as a career until college. Now, as a CERTIFIED FINANCIAL PLANNER® professional, I’m proud to help others discover this path. 💜

👉 If you or someone you know is exploring a career in financial planning, I’m always happy to connect!

05/13/2025

Your money habits didn't come out of nowhere.

They were shaped by the lessons you absorbed growing up. Lessons about hard work, saving, giving to family, and sometimes staying silent about financial struggles.

These early experiences create your money scripts, which are the hidden beliefs that guide your money decisions today.

💡The good news? You have the power to recognize those old money scripts and rewrite the ones that no longer serve you.

In my first blog, I’m sharing how our upbringing shapes our money habits and how you can start taking action to build a healthier relationship with your money.

👉 Learn how to uncover and reshape your money habits here: https://bit.ly/3YFcPUF

Growing up in a Hmong household, we didn’t always talk about money, but we learned about it in powerful ways. We learned by watching:➡️ Watching our parents work hard for every dollar.➡️ Watching them stretch one paycheck to cover a family of eight.➡️ Watching them give to others, even...

05/10/2025

A big thanks to the doctors and volunteers who organized the Hmong Medical Association Health Fair! It was a meaningful day connecting with community members and highlighting how financial health is an important part of overall well-being.

What made it even more special was getting to share space with other Hmong financial professionals. There aren’t many of us working in areas like financial planning and investment management, so having three of us in the same room felt especially meaningful.

Fue Yang - Equitable Advisors
Maikou Vu - Edward Jones

We’re proud to represent our community in a profession where we’re still underrepresented, and to be part of conversations about financial health that truly matter.

Grateful to everyone who stopped by to chat! 💜