Aria Chen’s path to financial independence didn’t involve a six-figure salary or risky investments.
“It was all about smart saving and consistent habits,” says the 33-year-old high school teacher who reached financial independence by age 32.
It all started when Aria read Your Money or Your Life and realized how much of her spending wasn’t aligned with her values. “I was buying stuff I didn’t need just to keep up. That book changed everything.”
She adopted a minimalist lifestyle and tracked every expense using a free app. “Seeing where my money was going gave me control,” she says.
Aria lived below her means and saved over 50% of her income—no small feat on a teacher’s salary.
She automated her savings, sending a fixed percentage straight to her high-yield savings account and investment funds.
“I treated saving like a non-negotiable bill,” she explains. Her favorite tool for budgeting and financial planning? YNAB (You Need A Budget).
Aria also avoided debt, paid off her student loans aggressively, and never carried a credit card balance. “Compound interest works against you if you’re in debt—and works for you when you’re saving.”
Her investments were simple: low-fee index funds and a Roth IRA. By 32, her net worth was enough to give her flexibility.
“I’m not retired yet, but I work because I want to, not because I have to.”
Her advice: “Financial independence is about freedom. Save with purpose, spend mindfully, and don’t wait to get started.”
“The anti-inflammatory lifestyle isn’t about eating bland meals,” she smiles. “It’s about finding joy in the foods that love you back.”
