Helping you cultivate wealth

for financial freedom & flexibility

Your financial wellness matters regardless of past money mistakes. Trust me, I have made my fair share of doozies. 

If you landed here you're likely ready to take your first steps towards cultivating wealth so you can find freedom and escape the trapped by work and life feeling.  So let's get started helping you grow your money tree.

You can become rich in all areas of life.

Rich isn't just about money (although that's a big part of it). It's more about directing your financial resources in a way that allows you to experience your life. Whether it's spending more time with family and friends, traveling, enjoying good food, curling up with a good book, keeping fit and healthy, or just being able to decide you want to relax on the weekend, richness is about making the most of your moments. My path has been one of ups and downs and sometimes-slow progress. I'm still on this journey. But it keeps getting better as I tweak the way I manage my money and cultivate my financial wellness. 

I'm Miranda Marquit, Financial Wellness Expert with an MBA

If you want information about pinching pennies, you're in the wrong place.

I began writing about finances in 2006 (has it really been that long?) after being offered a corporate blogging gig.  Between research for work and my own money mistakes, I found smarter, better ways to handle my money and grow in financial wellness and flexibility. Since then I have grown a six-figure freelance writing business and …

My focus is on using your resources to live the life you want. Hopefully, you can use this site to learn about using your money and time more effectively — and create a life full of richness.

Are you ready to find financial wellness?

Whether you are looking to build an income stream with freelance writing, grow your money skills, or find a financial expert to help your employees I've got you covered to start cultivating. 

Increase your income through freelancing

I am here to help you make money! For my tips, resources, and freelancing course, click the button below. 

A money blog worth reading

a collection of guest posts, guides, and personal money stories

I don't have an amazing get-out-of-debt story or a make-six-figures-a-month story. What I do have is accumulated knowledge, financial experiments, and plenty of mistakes. Over time, I've learned what works for me when it comes to using my financial resources to create a life I love. Check out my money blog for information about how I structure my finances and make the most of my money. Maybe you'll find inspiration for your own money journey.

Pay Less Attention to Salary, and More to Disposable Income

Before you get hung up on your salary and the possibility of making more, consider your disposable income. It's always amazed me that people can get so hung up on salary. Yes, your salary is important. You need a decent salary if you expect to provide yourself with the necessities of life and with some

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3 Keys for the Beginning Investor

The beginning investor might feel overwhelmed at first. Here are three keys to help you stay on track. One of the best ways to build wealth for the future is to start investing. Investing is one of the ways that you can put your money to work for you, improving your situation over the long

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8 Essentials All Household Finances Should Have

Planning your household finances is a big part of making headway toward your overall goals. As you put together your plan, here are a few things to keep in mind. Planning your household finances should be a major part of how you move forward. Whether you want to cover an emergency tomorrow or retire early

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The 50/30/20 Budget

Could you get back on track with your finances using the 50/30/20 budget? Anyone who knows me understands that I'm not particularly fond of the word “budget.” While there might not be much of a difference between what I call my “spending plan” and a budget of sorts, it makes me feel better about how

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Travel Fund: Investing for Short-Term Goals

It's not often that we think of investing for short-term goals like a travel fund. Too often, that money sits in a cash account, earning meager interest. Back in 2015, I was able to make a fresh start with my life. As part of my overhaul, I also changed things up with my finances and

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Want Another Tax-Advantaged Investment? Try a Health Savings Account

I love my Health Savings Account. I get the ultimate in tax-advantaged investing. There are three main, unavoidable forces eroding your wealth over time: Taxes Inflation Fees You can't stop these forces from reducing your real investment returns over time, but you can minimize them. There are ways to reduce your exposure to inflation risk.

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Find Your Unique Path To Cultivate Wealth

semi-regular tips, ideas, and strategies to help you build a freelance career and get more from your money.