Sandy Yong completed her business degree in the Ted Rogers School of Management at Ryerson University in Toronto, Ontario, Canada. After graduation, she started her professional career and started saving her hard-earned money. She decided to invest in mutual funds as recommended by her financial advisor at one of the big banks. Unbeknownst to her, these mutual funds were high-risk and had high hidden fees. Not too long after, she lost money and was upset that she lost thousands with the bumpy roller coaster ride of the stock market.