Polly Leung has long loved conversations on finance. She enjoys getting us talking and thinking about our money and planning ahead so we can enjoy our lives when retired, taking that time to travel.

Her lesson on money came from growing up in Hong Kong and then starting over in her teens in California, US, moving here with her mother and siblings—an expensive move, and one that also taught her cultural agility.

In a lovely interview, we hear of Polly’s cultural transition across two continents and a wish that she’d connected with more locals when starting out. We also learn of her fascinating work as an associate director of finance for a leading university, and how we can make small tweaks to how we spend each day to save that nest egg for that rainy day.