First-Gen Millionaire on a Teacher Salary — with Davy Yap

Davy Yap is a full-time middle school teacher in California. She's also on track to retire at 45 as a millionaire on a teacher's paycheck. As a teacher who got specific about money and made moves most teachers haven't been told they're allowed to make.In this conversation, Davy walks through the actual plan: the high yield savings accounts that pay you 3-4% instead of 0.02%, the retirement accounts many teachers haven't opened, the earning streams she built outside the paycheck. And the mindset work that made all of it possible, including unlearning the “money is bad” wiring most of us absorbed without realizing.This episode covers:• Davy's path from default-saver to wealth-builder, and the specific moves teachers can copy• High yield savings accounts (HYSA): what they are, why Chase and Bank of America are quietly costing you, where Davy keeps her money instead• The reframe that lifts the entire ceiling: there's a cap to saving, no cap to earning• Davy's three side income streams (focus groups, content + brand deals, digital products) and how she actually built each one, including the brand deal she landed at 4,000 followers and the one Instagram bio detail that unlocked it• Money guilt for teachers who talk publicly about money: how Davy navigates the haters, the affirmations practice that rewired her thinking, and the book that started it all (Secrets of the Millionaire Mind by T. Harv Eker)• Why being a great teacher and building wealth are not mutually exclusive🍏 Millionaire Mind affirmations playlist (mentioned in this episode): Listen on SpotifyConnect with Davy:Davy on InstagramDavy on TikTokDavy on Substack🎧 Subscribe now for new episodes every Tuesday.Come hang:Instagram → @teacherswithmoneyInstagram (Christa) → @christajeanjonesLinkedIn → Christa JonesLet's finally start your Teachers Pay Teachers store, together! → TPT Launch LabThis podcast is for educational and entertainment purposes only and does not constitute financial advice.