Who is Kung Fu Girl?

Cartoon Kung Fu Girl

Kung Fu Girl

Welcome to Kung Fu Finance! My name is Susan Fujii (aka Kung Fu Girl), and I am an SEC Accredited Investor. According to the most recent census data, this distinction supposedly places me in the top 2% of all Americans for wealth (although please note there is a HUGE gap between the likes of me and the illustrious “1%” such as George Soros, Warren Buffett, Oprah, Trump, Jamie Dimon, etc… I am still part of the 99%!).

Susan Fujii Headshot

Professional Me...

Over the past ten years I have made it my mission to become financially educated and free, and in the past several years alone I have enjoyed a 100%+ average return on my investments (not a typo, although I obviously can’t promise that to you nor necessarily keep it up myself every single year!), have been invited to participate in Private Placements reserved for sophisticated investors, have safely and legally diversified our holdings into precious metals, foreign real estate, currencies, energy, options, and other so-called “advanced” investments, and much more.

But it wasn’t always this way…

Let’s take a look at my “Before” picture:

Kung Fu Girl Before Picture

Kung Fu Girl "Before"... Kind of sad, right?

I used to be a financial dunce. I got my start on the path to financial “success” way back in 1996 when I graduated from college and began working at my first job, where I promptly:

  • Got into THOUSANDS of dollars worth of credit card debt,
  • Got a “collection” black mark on my credit report that affected me for SEVEN long years,
  • Bought Intel and Cisco stock at the top of the market in 1999 and then later sold them (near the bottom, of course) for a huge loss,
  • Blindly invested in a Janus mutual fund in my 401(k) which I had never heard of and didn’t understand but that “sounded” good and received 5 stars from Morningstar…this fund was eventually the recipient of a class action lawsuit, and of course I lost a lot of money in this “5-star” fund, and
  • Many, many other financial blunders (I’m just scratching the surface here, believe me– I’m sure all of my financial “dirty laundry” will be aired on the blog someday soon.)

So, off to a great start, hey? I mean, really, if it weren’t so pathetic and sad it would be comical! (OK, you can stop laughing now…this was my LIFE!)

Now you may be asking yourself, “how did all THAT get you started on the path to financial SUCCESS? That sounds like a financial disaster!”.

And you would be right!

So How Did I Do It?

HOW, exactly, did I go from being thousands of dollars in debt to becoming a successful Accredited Investor?

Kung Fu Girl Before and After

Kung Fu Girl "Before and After"

First, let me tell you what I didn’t do:

  • I did not watch Jim Cramer and buy his latest stock picks (by the time they make his show, the “smart money” is already all in or long gone)
  • I did not ask my brother/sister/father/mother/cousin/etc. NOR even the guy who lives next door who drives a Mercedes (he must be wealthy, right?) for their opinion on what investment I should buy and then buy that
  • I did not consult with the broker from Morgan Stanley who really wanted my business about what I should do with my money (well, I met with him once, but his only advice was “buy and hold mutual funds for the long-term”, and I already had some experience with that, no thank you!)
  • I did not buy and hold mutual funds or individual stocks for the long-term (and just how long is “long”, anyway? 10 years? 20 years? 30 years???)
  • I did not open up a U.S. CD paying 1-2% interest for my “short-term” money
  • I did not become a day-trader or even a “freak out over the markets every single week” trader
  • I did not inherit any money, or rob a bank, or win the lottery, or do anything illegal, or marry rich, or stumble on some “SUPER AMAZING MONEY SECRET” (although I would have loved to!)

No. I didn’t do any of that!

Here’s what I did do:

I Got Educated,
I Took Action.

It really is that simple. All I did was decide to get educated, and I mean REALLY educated. And although that’s not particularly sexy, and is certainly not a “SUPER SNEAKY SECRET GURU TRICK” that I can share with you to make you instantly wealthy, I hope you find it inspirational….because if I can do it, then YOU CAN TOO.

(Heck if I can do it, ANYONE CAN!).

These are the true secrets that most financial professionals don’t want you to know:

  • You CAN in fact get financially educated,
  • You CAN become the “smart” money,
  • You CAN beat the average investor, and
  • You do NOT need to be a slave to Wall St. in order to do so (in fact, they are the ones primarily responsible for making you feel so financially stupid!).

So Let’s Get Specific…What Exactly Did I Do?

So what DID I do to get out of debt, take control of my finances, and learn to be a pretty darn good investor?

Well, like I said, this is not sexy, but I:

  • Read every single book by Robert Kiyosaki and all of his advisors that exist.
  • Read every single book that Robert Kiyosaki recommended, and many, many more.
  • Read The Automatic Millionaire and Smart Women Finish Rich by David Bach.
  • Began searching for true financial “masters” whom I believed in and felt I could trust.
  • Thoroughly background-checked every single “guru” I found, particularly if I found them via the Internet, and met them in person whenever possible.
  • Brushed up on my world and U.S. history, and learned the history of money (it’s quite engrossing, actually, and reads like a juicy detective thriller!)
  • Fearlessly questioned all of my previous assumptions about money, the government, society, macro-economics, and more.
  • Signed up for a local UC Berkeley Real Estate Investing course.
  • Signed up for a local UC Berkeley Financial Planning course.
  • Learned to use Quicken to print out monthly Income Statements and Balance Sheets for our family.
  • Began to openly discuss money and investments with friends and family (most of them still just think I am ‘weird’, but some love to talk about it, too, and I treasure those rare friends!)
  • Created Order from Chaos out of our financial records.
  • Began paying for financial information from people I respected.
  • Took personal responsibility for my investments and my financial education.
  • Learned to analyze the fundamentals of each investment before I purchased it.
  • Learned to also analyze the technical charts of each investment before I purchased it, so that I knew *when* to purchase it, and *when* to realize my gains.
  • Determined my exit strategy for each investment that I made and stuck to it.
  • Learned about and placed trailing stops on investments and stuck to them when needed.
  • Began buying precious metals several years ago, when they were still “cheap”.
  • Invested in foreign currencies several years ago, and benefited tremendously from the falling U.S. Dollar.
  • Took my “cojones” in my hand (figuratively speaking, as I am female) :) and plunged in and BOUGHT a lot of stock when the market bottomed in 2009 and everybody else was selling and running for the hills.
  • Recently took that money OUT of the stock market in preparation for a possible crash this year (which actually happened in August), realizing gains of over 100%.
  • And much, much more…

I won’t lie to you– it wasn’t easy. There is so much conflicting (and downright terrible and misleading) financial advice out there, and there is no one (whom I have found, anyway) who teaches you how to become financially savvy from beginning to end.

I Had To Do It the Hard Way…But I Hope You Don’t

I had to do it all the hard way, through trial and error (LOTS of errors, I assure you!). My financial library now rivals the one at any top Business School, and I spend most days glued to CNBC and financial websites– both paid-for and free publications. (But YOU don’t have to…that’s why I’ve created Kung Fu Finance!).

I purchased the domain name for Kung Fu Finance over three years ago, after being completely fed up with the complete lack of information and in many cases, downright MIS-information out there. I remember thinking to myself, “if only there were a site that taught people the real truths about money and investing, instead of the same old crap peddled by the large financial institutions! A place where people could come and just ‘Go all Kung Fu!’ on their financial problems and work together to get ahead.” I searched and searched, but found nothing like it.  The closest I could find was The Motley Fool, but I couldn’t find much advanced information there– they primarily focus on the most basic of basics, and now spend a lot of time peddling their paid-for stock newsletters (the Motley Fool “Hidden Gems”, or “Rule Breakers”, or….you get the idea).

And so Kung Fu Finance was born.  It’s the site I wish I had when I started my own journey to financial independence! It’s taken me three years to launch it, but I am very excited about what we are creating: a site that puts YOU in charge of your personal finances; a true financial *education* site where you can learn the ins and outs of money, economics and finance in a fun and engaging way and where you are NOT pushed to invest in the latest “hot stock” that is “sure” to gain 1000% next year!

What you WILL find here is USEFUL, ACTIONABLE information and a supportive community of like-minded individual investors as our site grows.

I will share with you EXACTLY how I went from thousands of dollars in debt to becoming a bona fide accredited investor, while hopefully saving you from making the same mistakes I made and from having to do ALL THAT RESEARCH yourself, like I had to do. I want you to achieve financial success in far less time than it took me!

I will also share with you my tried and true proven masters who have helped lead me to such financial success (because no one does it alone), the systems that I have created along the way to make everything easier, and real “from the trenches” interviews with other successful investors who have also “walked the walk” so that you can learn from the best.

I wish I could tell you exactly how long it will take you to become a financial master of your own destiny, but I am not going to lie to you– the truth is that it depends on where you are starting from. But what I CAN promise you is that I will tell you exactly what to do each step of the way and exactly what worked for me!

So if you haven’t yet, please sign up for the free daily updates– they are chock full of candid financial tips and tricks that will help you in your journey!

Thank you for reading, and best of luck going all kung fu on your OWN finances!

I’ll be right here with you.

To your financial success,
– Kung Fu Girl (Susan Fujii)

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{ 57 comments… read them below or add one }

Dustin November 1, 2011 at 4:59 pm


Thank you so much! I found this very insightful and I am excited to learn from you, maybe you can be my Kung Fu Master. I love reading, I love learning and am open to new ideas. I am fascinated and desire involvement in the international arena. Anyway, just wanted to say thank you and that I look forward to reading and following your posts and learn how to be financially free as well.




kungfugirl November 3, 2011 at 3:06 pm

Hi Dustin, and welcome! I’m happy to help you however I can on your journey…it sounds like you are off to a great start!
– Kung Fu Girl


don November 15, 2011 at 4:44 am

Can you help me Kung Fu Girl. I would like to know if I can talkto you sometime. I need Help.


kungfugirl November 15, 2011 at 6:38 pm

Hi Don, I will help you however I can, but unfortunately I cannot do any individual coaching (the SEC won’t allow me to!). But I’ll do whatever I can within the limits of the law to help you!


Marie-Eve Boudreault November 15, 2011 at 8:01 am

I had your post today by Craig Ballantine’s newsletter and I really love your example about the underdog and the kung fu philosophy. Looking forward to implement what you teach in my business.

And I like martial arts by the way, I was a MMA fighter so I love the analogies!

Thanks, Marie-Eve


kungfugirl November 15, 2011 at 6:41 pm

Hi Marie-Eve,

Wow, that’s fantastic that you were a MMA fighter! And I just checked out your site and LOVE the premise– do what you love! One of my favorite quotes is from Billy Joel, “Do what you love, anything else is just wasting your time.”

Welcome to Kung Fu Finance, and I hope I can help you achieve your dreams!


Briton Beaumont November 15, 2011 at 12:09 pm


Your site looks fantastic! I’m so glad I read your article in Early to Rise. As a college student and an aspiring entrepreneur I see your Kung Fu style as a great approach to finance, as well as the rest of life’s challenges. I will be adding your site to my favorites and signing up for your eletter. Thank you for providing such a wonderful resource, I look forward to learning as much as I can from it!



kungfugirl November 15, 2011 at 6:43 pm

Thank you Briton! As a college student you are already way ahead of the game if you’re thinking about your future and how entrepreneurship might fit into it! Good luck, and I look forward to talking with you more in the future!


Kevin Lau November 15, 2011 at 2:27 pm

I’m an Early to Rise subscriber and now a Kung Fu Finance subscriber. Your site is brilliant, I love the style and approach to money, definitely different and unique, I wish I could of thought of this myself. I look forward to learning from a master.


kungfugirl November 15, 2011 at 6:48 pm

Hi Kevin,

Thank you! I appreciate it! That is such a nice comment. I’m looking forward to talking with you more over the coming weeks and hearing some of your ideas, too!


Lela November 15, 2011 at 3:19 pm

Hi Kung Fu girl!
Followed the links from the Early to Rise newsletter and am impressed. I’m nurturing a growing business but still have some debt I’m ready to deal with once and for all. I haven’t always been the best with my finances and want to change that. Will be looking to you as a new, inspiring resource! Thanks :)


kungfugirl November 15, 2011 at 6:50 pm

Hi Lela,

Welcome and congratulations on your new/growing business and on getting ready to conquer your debt! That’s awesome (I’ve been there!) and SUCH A GREAT FEELING when you finally knock it out. You’re on the right track, and I wish you the best!


Dana November 22, 2011 at 11:30 pm

You go girl!

Always a fan,


Larry Crowson November 30, 2011 at 5:21 am

Hi Susan,

would love to chat with you about your coaching session with Matt & Craig.
If possible to talk shoot me an email I’ve got a toll free line from the US herein Mexico.
I’m also a big of Porter and his newsletters.


Emma November 30, 2011 at 7:29 am

Glad to meet you in Rare Earth Conference. Your website looks very good. I especially appreciate the part that you shared what you did to learn investment. Your success with investment is impressive and inspiring.

I’m interested in knowing the reasons of your actions. For example, why did you choose to take money out of the market earlier this year?


jarrod November 30, 2011 at 10:51 am

are you on twitter and if so what is your twitter handle?


gi joe December 8, 2011 at 9:35 pm

Magnificent web site. Lots of useful info here. I am sending it to a few friends and also sharing in delicious.


LS December 13, 2011 at 3:04 pm

Amazing website, master! Thanks for educating all of us and helping us to weed through financial gibberish.


George December 27, 2011 at 12:50 pm

Hi, Susan,
Just read “The survey said” article, and decided to come back to this one, and reread it. I’m glad I did. This re-affirms my decision to subscribe to your blog, Sifu.
Oh yeah, particulars. I was lucky enough to link to you through Craig Ballantine’s “Early to Rise.” Also, I come (quite late in life) to the study and practice of Tai Chi. I keep myself level by rereading the Tao Te Ching.
You keep suprising me, pleasantly. I hope you keep doing what you’re doing. Thank you very much!




dejava January 4, 2012 at 6:28 pm

Hi Ms Susan,
I like what i read here and want to something positive happen in my life trought this KungFu Finance. Please what start do i have to do. i always do for what i call i want than i need. its happen without i realyzed it.
I want to change that someday i have my own bussiness. Iam a freelance designer on 99designs. i graduated from law univercity in my town on 2007. i never been long working with company bcause they havent have same common for what i want too. meaby the highest standart / salary i think. Now i have my own family about 7 month from now and counting… I do have background on selling, and having family bussiness in Furniture here for almost 14 years.
Thank you for your best help.


Albex January 7, 2012 at 3:57 pm

Hi Susan,

Congratulations on becoming an accredited investor and the launch of your site! It looks great, and your new logo is going to be a hit. I wish I paid more attention to my investments over the past 10 years as I suffered the same disappointments as you did before you got took the initiative to get educated. I am really looking forward to learning from your experience and I look forward to your updates.



kungfugirl January 21, 2012 at 10:33 am

Hi Albert!!!

It’s sooo great to hear from you! Yes, I finally got “my mad on” I guess you would say (I’ll have to write an article on that someday– channeling anger into action…) :) and learned how to invest and manage my money MUCH better, and now it’s really fun sharing all of my lessons learned with people.

I’m practically on a crusade because I feel that it is so important! I’m so glad you subscribed and I can’t wait to talk to you more!

Thanks so much, and talk to you soon!


Phil Wong January 21, 2012 at 12:32 am

Hello Susan

Congratulations on getting a mention in Casey Research. I reckon you’re following their advice too.

I think the word “DIS-information” is perhaps better suited word to use in your description above. ;)


kungfugirl January 21, 2012 at 10:28 am

Hi Phil,

Thank you! Yes, I am absolutely following their (Casey Research’s) advice– I’m a very happy subscriber…they are a smart bunch! And LOL, yes, “dis-information” is much better!

Thanks so much, and welcome to Kung Fu Finance!


Paul January 21, 2012 at 1:14 pm

All sounds great and I love your enthusiasm. But it is very easy to claim 100% returns and not show the details of how it was done. Many do that on the net, few show their record, and very very few show how they are doing it real time. Are you up for that test of integrity and honesty? I hope so… show us the trades you are taking now…


Ivan from A&A Mold Inspections January 25, 2012 at 12:01 pm

Paul, I think you’re missing Susan’s main point (see tagline). “Master your mind, master your money.” This blog is not about what to buy and sell. Susan is encouraging, no… exhorting us to first change how we think. Until then, it’s still that same financial trappings of this world. Remember, this is kung fu… =)


kungfugirl January 30, 2012 at 2:17 pm

Thanks Ivan!

Exactly. :) I’m much more about the “why” and “how” than the “what”…I think it’s important for people to determine the “what” on their own, because it will be different for each individual based on his/her personal circumstances.




kungfugirl January 30, 2012 at 2:15 pm

Hi Paul!

Thank you for your comment! It *is* easy to say “100% returns” (or anything for that matter!) on the Internet, so I think you are wise to be skeptical; in fact, I encourage it! One of my favorite quotes about this is:

“The trouble with quotes on the internet is that it’s difficult to discern whether or not they are genuine.” ― Abraham Lincoln

LOL. And that is very true– you are wise to take everything you see on the Internet, here and elsewhere, with a grain of salt!

But to the extent that you do find something of value here that helps you, I hope you don’t “throw the baby out with the bathwater”, either.

As for me and my personal investment returns, I am not lying, but as far as “proving” that goes it is difficult (which is probably why not many people do, as you say…in fact, I don’t know of anyone who does that). The only way I can think of would be to get my financial statements audited and post them for the past ten years, but to be honest, that’s a lot of work and a big expense for me (especially for a free site), and even then, who is to say that they would be “real”? Someone could argue that I had them “doctored” or Photoshopped or something…at the end of the day, I think people will just have to trust that the information I am providing them is helping them, and if it isn’t, I’m sure they will “vote with their feet” (e.g. stop reading my blog).

One thing that I do want to make clear though (not necessarily to you, but just to anyone reading this, because I’m sure if you have this question then others do, too!) is that I am not advocating “quick and easy” or “just buy this one magic stock that I bought and you will instantly be “Accredited”, too! That is the whole point of the “kung fu” in “Kung Fu Finance”– excellence in any skill achieved through hard work and practice. I definitely do not want to make it sound like you can just read a few articles here and then “suddenly” you will start making 100% returns on all of your investments, and if that is how it comes across, then I should definitely rewrite that part for sure!

I am continually advocating, “Think for yourself, grasshopper!” because that is SO important in investing! Even if I go back and tell you exactly what I did several years ago to achieve those returns, or what I am doing right this minute, I’m not sure it will help you do the same, which is one reason why I haven’t done that. I believe it is much more important to learn how to do it yourself, and what will work for you NOW, rather than what worked for me 10 or 5 or 2 years ago. (And by the way, I didn’t achieve 100% returns *every* year for TEN years! By “the past several” I meant 2009 and 2010, and I’m compiling my numbers now for 2011). And people’s situations are sooo different– I may have taken a position that would be completely inappropriate for someone else.)

I do mention my investments that I am making now from time to time (e.g. if you’re a subscriber and have read my free report I tell you to own gold and own cash, and I do myself). I also mention from time to time other specific investments I am making (I bought Prophecy Coal a few weeks ago, for example) but I am cautious to do so for many reasons:

1. I don’t want people just blindly jumping into something “just because” I am (that’s a terrible reason to buy any investment), and

2. I have to be very careful of the SEC and various regulatory bodies– I don’t want to be accused of “pump and dump” (which is where someone talks up a stock that they are buying, waits for everyone they’ve talked it up to to “jump in and buy”, and then promptly “dumps” the stock at a profit while the followers get creamed). I would NEVER do that but I also have zero control over what anyone who reads my articles actually does after reading them. I like to think that most people are good, honest, sharp people, and in general I look for the best in people. But with two little girls I thought long and hard about even using my real name on this website, let alone mentioning that I am an accredited investor, etc.

Anyway, I hope you will join us and contribute and learn– thank you for your comment and I hope I answered you OK!



Jorge March 13, 2012 at 9:42 pm

Paul, it sounds like you are fishing for hot stock tips. I agree with Ivan – master your mind. I would also say master your emotions.


Paul March 14, 2012 at 11:26 am

No Jorge you are incorrect about stock tips, that’s the last thing I wanted… pls read down a bit further for the followup comments. Also I think mastering mind and emotions are in this context used interchangeably. Good luck.


thalie January 26, 2012 at 6:19 am

I just found this blog – this will be really helpful to me! As one of my goals for this year, I am aiming to do what you have done! Would you recommend real estate investments? And what about purchasing precious metals now? any recommendations? I look forward to hearing from you! Thank you!


kungfugirl February 3, 2012 at 12:06 pm

Hi Thalie! Welcome to Kung Fu Finance! Congratulations on your goal of taking control of your finances and achieving financial independence! That is a great goal.

Regarding my opinion on specific assets, here you go… :-) I don’t know where you live so it’s a little hard for me to comment on real estate, as real estate is very, very local. For example, I live in Palo Alto in the US, and real estate here is booming.

Facebook just filed for IPO, and there are many other well-funded start-ups here that really drive up the prices of local real estate — we have all of the ingredients for high-priced housing: jobs, schools, families and young professionals, access to continuing education (Stanford, UC Santa Clara, San Jose State, etc.). All of these (in addition to a lot of people who have a lot of money) really combine to drive up prices here. A “starter” home in Palo Alto is more than $1M USD.

But across the freeway, less than a mile away, sits the town of East Palo Alto, where it’s a completely different story. There, home prices are 1/3 or less than prices here in Palo Alto, but the schools are not nearly as good and they have a very high crime rate (although proximity to all of the other features, universities, etc. is the same). So it’s very, very local!

That is just “house prices” though…in general when I think of real estate as an investment I think of buy-and-hold rental real estate. That could be a pretty good investment right now, and one I am looking into myself (although not here in Palo Alto — the numbers just don’t work).

But in other areas of the US where they have growing jobs, people moving into the area (versus away), a diverse employment base (not dependent on just one industry/sector), access to higher education/etc., you can find some wonderful deals. And many, many more people are renting now, and probably will be in the future, because it is very hard to buy.

In fact, that might be the biggest drawback — it is difficult to find financing now (unless you can prove you don’t need it). But don’t let “difficult” stop you! Everything worthwhile is “difficult”.

If you’re interested in this and have the business/management background to really run a good rental property (or can hire a good property manager) then this could be a wonderful asset for you. Just make sure that whatever you buy you can rent, because it is all about cash flow (you don’t want your new property sitting vacant for months!).

This is such a big topic in and of itself (there are entire websites devoted to real estate investing) that I will stop here for now, but in general, yes, I like buy and hold rental real estate. I would not try to “fix and flip” a house right now (at least not here — again I have no idea where you live so maybe in your area/country things are different?)….good luck!

Regarding precious metals, I’m a big advocate for owning some physical gold and silver. It was a “better” time to buy them when I wrote my “Why I’m Still a Gold Bull” article (saying I was happy for the correction because now some of my family and friends could “get in”) and my special report, but in the past 30 days gold is up more than 10%:

Kitco 30 day gold

But I’m still a gold “bull”… if you don’t have any I would look for corrections (because they still could occur — the situation in Europe is far from resolved and that could send everything cratering!) and add some to your portfolio. But this is where I have to jump back into my “I am not a licensed investment advisor” and “I cannot give personal advice” spiel because I don’t know you and your personal situation. But, in general, yes, I think it’s important for everyone to own some physical gold (and silver, based on your risk tolerance — it’s much more volatile than gold and has some industrial metal properties) and also to own enough cash to weather and take advantage of any storms (in your life or in the markets!).


Paul January 27, 2012 at 5:17 am

Ivan – your point is well taken. I don’t mean to knock someone who puts out free information and have people find it useful and educational. Mastering one’s mind in investing is crucial but is extremely difficult and hopefully people realize it is a lifetime endeavor, often lots of money is lost in the markets while trying to master emotions…. I did find it odd to mention ‘accredited investor’ as if it is an accomplishment, it really just means we have a a tick box ticked.
Anyway I don’t mean to sound negative, and I wish everyone the best here in their learning process.


kungfugirl January 30, 2012 at 2:30 pm

Hi Paul!

Yes, exactly, we are completely on the same page! I actually wrote about the Accredited Investor question here:

What is an Accredited Investor, anyway?

Here’s the blurb (without the funny pictures of MC Hammer, though…) :)

An “Accredited Investor” is a designation given by the SEC to someone who has a net worth of $1,000,000, not including his or her primary residence, or to someone whose income exceeds $200,000 individually or $300,000 with a spouse for the past two years and has a “reasonable expectation” of earning the same income in the current year.

(That’s the SEC definition for “natural persons”…they also have definitions for trusts, charitable organizations, etc., and you can read more about it here if you’re interested.)

Basically, as far as we human beings are concerned, it just means “a reasonably wealthy person”. (Although depending on where you live in the country, I can tell you that this could feel anywhere from “extremely wealthy” to “barely middle class”).

Technically Kung Fu Guy and I qualify on both tests, but to be honest I feel like an idiot saying “I am a millionaire!” (who cares?) and as I really want to help people focus on becoming better and smarter investors I prefer to say that I’m an accredited investor, because I feel that puts the focus on investing instead of on the quantity of money anyone has.

But here’s a dirty little secret for you…you’ll notice in the definition that there is really no mention of investing “prowess” or knowledge! You don’t have to take a test to become an accredited investor, or do anything at all other than “have” a lot of money.

I believe that the SEC reasons that if someone can earn and keep $1M net worth (without counting their home) or can earn upwards of $200,000 or $300,000 per year (or both) then that someone must have at least some level of financial intelligence.

But one look at many lottery winners, NBA athletes, Hollywood stars, etc. (remember the bankruptcies of MC Hammer, Kim Basinger, Gary Coleman, Don Johnson, and more?) tells anyone with half a brain that just because you “have” a lot of money doesn’t necessarily mean that you know what to do with it, how to keep it, or how to invest it.

However, until the SEC (or someone) comes up with a better definition and a true “investor test” it’s all we’ve got…

And the reason it is a “good thing” to be accredited is because many of the best investments are “reserved” for only those with “Accredited Investor” status. (Yes, that is totally unfair and ridiculous, but that’s the way it currently works, at least in the U.S.). For example, as an accredited investor I can participate in Private Placements, which can be very lucrative, and many other investments that aren’t open to the general public.

Anyway, you are totally correct, and I certainly didn’t do this all “overnight”…not by a long shot! I’m not joking above when I say I took a ton of college-level courses, read a million books, etc….I did! But I do hope that I can pass on the lessons that I learned in a way that won’t take others as long as it took me…but there are no guarantees– all I can do is my best!

Thanks so much for your comment– you are obviously a pretty savvy investor/(trader?) yourself and I hope you will continue to contribute and help us here on Kung Fu Finance!

Thank you!!!


Benay March 28, 2012 at 7:33 pm

Hi Susan.

I love what you are doing AND that you are a young chick – totally inspiring!



Investor Junkie April 12, 2012 at 7:20 am

Hi Kung Fu Girl. I’ll check out your site. Love it how someone can start with nothing and achieve their goals.


Tim April 19, 2012 at 4:30 am

Kung Fu Girl, what an inspiring story.

Congratulations on what you have achieved.




Angela May 19, 2012 at 4:49 am

Hi Susan
Finally caught up with what exactly you do via David Galland’s The Room (19 May). I enjoyed your intro to what you are about and how you got to this point. Look forward to receiving your email newsletter.


kungfugirl May 19, 2012 at 11:35 am

Thank you Angela! :) Welcome to Kung Fu Finance!


Kirsty Hogg May 24, 2012 at 10:45 pm

Hi Kungfu Girl, I enjoyed your Gordan Chang article. Very helpful! Keep up the good work and congratulations on your financial transformation. Best to you. Kirsty


Michael Carroll June 15, 2012 at 11:48 am

KungFuGirl! Just wanted to tell you how much I (we) love your site. In fact, we chose you as this week’s Quizzle Blogger of the Week. I wouldn’t normally post the link here, as I respect comment etiquette, but I couldn’t find a way to contact you. If you want to check out your article, give it a look see. Thanks and keep up the great work. http://www.quizzle.com/blog/2012/06/personal-finance-blogger-week-2/


NP August 4, 2012 at 5:42 pm

Hi Kung Fu Girl!

I have a question; with the real estate market collapse, the economy going the way it is right now, and the ‘possibility’ of the dollar collapsing…I’ve been looking into precious metals (have bought some), and want to know more about foreign currency investing. Do you have any advice for me on this? Or how to get started?

Thanks! Love your site!


Mike Stern August 27, 2012 at 8:30 pm

Kung Fu Girl,

Love your emails/postings. I know you are smart and well informed…but I really like how downplay and give yourself a hard time…keeping your yourself and not too all mighty KFG. :) Still…very impressive.

Ok, I’m 46. I contribute to my 401k (get decent matching, etc.) and basically have a Vaguard stock that diverfies and manages my risk as to when I plan to retire, e.g., like Vaguard 2030, 2025, 2035…depending on your age.

Other personal funds/savings are very hard to come by to invest outside of 401k. I see your view of 401Ks are not necessarily great. Thus, what optimal options might I have? I’m just afraid of keep keeping on and getting me and my family in a financial situation I could have avoided.




goldomenso August 27, 2012 at 9:25 pm

Mike, I assume you’ve read Kung Fu Girl’s posts. I don’t want to rehash what she’s covered but the general idea is to take charge of your own finances as much as you can, so you don’t depend on others too much. For example, it’s good to have a 401(k), especially if your employer matches some of your contributions, but sometimes your investment choices within that 401(k) are limited. You want to diversify to prevent being hit too hard if a certain class of investments suddenly drops, like many of us have learned from the dot com crash, the real estate bubble, and the great recession.


Jan Gindrup September 1, 2012 at 2:36 am

Hello Susan
Liked your article in Caseys today. Interesting way to show the megatude of numbers.
However, what is lousy 16 trillions compared to this “horrormovie” :
http://theeconomiccollapseblog.com/archives/the-horrific-derivatives-bubble-that-could-one-day-destroy-the-entire-world-financial-system ?
Try to cover this hole with something :o )
Best Jan


chris leverich September 4, 2012 at 5:30 pm


I met you in Vancover.My wife Nancy & I had dinner w/you & Sandy & Leslie for Sandy bday. I loved your writting for david G re: Trillions. Thought it was great. Just wondered if you could do a like analysis of a house hold budget compared to gov budget


Matt VW September 7, 2012 at 4:29 pm

Hey Chris, I’m not certain this is your answer but if you watch to the end of this 3:00 clip it shows you the comparison between the federal budget and household budgets. I think you might get a few laughs along the way as well.


ken September 6, 2012 at 7:22 pm

just signed up for your newsletter. got a question for yu. what do you
think about binary trading?


Sam September 7, 2012 at 3:04 pm

Hi Susan
My name is Sam and Im 28 years old from Toronto. Im so glad that I found this website to collaborate with like minded investor savy individuals just after seeing your interview with Lauren on RT. I can relate to your story since the start of my self-learn financial education was with Kiyosaki as well back in 2008 which lead me to follow all the other mentors (Casey’s, Mike Maloney,Peter schiff,Jim richard, and my most fav jim rogers etc..) that you follow except for the loss you had back in 1999 with the dotcom bubble which made you even stronger Investor. Currently I am in Realestate, gold/silver and foreign currencies. would like to extend porfolio to have exposure to agricultural commdities. do you know what is best way for me to go about that? thanks so much. Sam.


Christopher September 7, 2012 at 3:45 pm

Hi Susan, I caught you on the Capital Account, which brought me to your site. I’m working on becoming more financially smart and secure, and there’s a lot here to help. I’m transitioning into a new career, and have two 401K’s from previous jobs. I know that there are better options, but I don’t know where to start. Where do you suggest I start researching? Thanks, Christopher


Matt VW September 7, 2012 at 4:31 pm

Hey Chris,
You’ll need to wait until the last of this 3 minute, very funny video, but then they go over a comparison between the federal budget and household budgets. Hope you like it 1/2 as much as I did.


Chris September 10, 2012 at 1:24 pm

Hi Susan, great site, i saw you on capital account the other day and am super impressed with your information, site, and recommendations. Keep up the good work. I am not really sure what to do with my 401K, do you have an article that talks about it. I just recently got on board with Precious metals, but am really worried about my 401K and not sure how to handle it. Any help/advice, or direction to some reading is much appreciated. Also, a couple of links are broken from this page… thanks so much!


John Geering September 23, 2012 at 6:28 pm

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Take a look at how we are making money for international private investors and Family Offices; if you own an International Business Corp. [IBC] you can participate to enjoy our Audited, exceptional returns ! http://www.PacificAlternativeInvestors.com .




sha3shaboonah October 18, 2012 at 5:32 am

your amazing and your story is amazing two ^_^
i have a Question( duos kungfu considered as an adventure or not ???)
plz answer me


sha3shabouna October 19, 2012 at 4:03 am

hi kungfu girl i hope you answer my question i am 13 years old i have a project my project topic is kungfu so i hope you will answer me .

my question is :-
does kungfu considered as an adventure ? if it yes then why its considered as an adventure ?

plz answer me ^^


John Ahuna November 28, 2012 at 11:25 am

Aloha Susan,

You sure do look like a “Fujii!” lol! I like your heart; it resonates caring, compassion and confidence-building. Now the “however,” =o) no it’s not bad, but from an anal teacher perspective, since your last name is Japanese, shouldn’t you be the “karate girl,” since kung fu is Chinese!? lol JK! I look forward to your newsletter. God bless! Sincere blessings from “Paradise,” aka Honolulu! *^_^


kungfugirl November 28, 2012 at 12:15 pm

Aloha John!

Mahalo for your nice comment! :) Yes, too funny…my husband is Japanese-American (4th generation, born and raised in a suburb of Honolulu actually, Hawaii Kai…knowing what I do now about Oahu I bet you know each other, LOL!).

Thanks so much for your nice comment, and welcome to Kung Fu Finance! I will let you know next time we make it back to the island and hopefully we can meet in person– we usually get back at least once/year!



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