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Tae Kim is a financial content creator, founder of “The Financial Tortoise” newsletter, and a successful YouTuber with over 100,000 subscribers renowned for his principle of building wealth gradually and aspiring to be a “quiet millionaire”. Kim’s personal finance journey is rooted in learning from direct experiences outside his formal education, exemplified by the fact that despite holding an MBA, he accredits his most valuable financial lessons to personal trial and error. His passion for financial literacy grew from his own past mistakes and the struggles faced as an immigrant child in a family that prioritized hard work and education as means to financial stability. Kim’s family, who immigrated from South Korea when he was nine, faced typical working-class challenges, leading him to initially misconstrue material displays of wealth as financial success. It was only in his thirties that Kim realized true wealth came from frugality and saving, not merely displaying affluence. This paradigm shift propelled him to demystify personal finance through self-education, sharing his insights on his channel, which are a blend of knowledge accumulated from influential authors and his personal reflections.