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M.L. Backus brings a unique blend of financial expertise and practical, hands-on knowledge to her writing. For 20 years, she worked as a FINRA-licensed securities and insurance professional, holding Series 7, 63, and 3 licenses, as well as New York insurance licenses, helping clients navigate investments, retirement planning, and financial security.
Like many in the financial services industry, the 2008 economic collapse required M.L. to pivot her career path. She transitioned into healthcare, where she now serves as a Senior Financial Counselor—assisting patients daily with Medicaid, long-term care, disability applications, Medicare, and Social Security. This hands-on experience gives her frontline insight into the real challenges people face when navigating these critical programs.
The economic upheaval also inspired M.L. to pursue greater self-sufficiency. She embraced homesteading, learning to raise chickens, grow food, and create a more resilient, independent lifestyle—skills she now shares to help others build security and confidence in uncertain times.
Whether guiding readers through Medicare and Social Security, sharing practical homesteading skills like raising chickens and growing food, or helping families start their self-sufficient journey, M.L.'s mission remains constant: empower people with knowledge and practical skills to create more secure, self-reliant lives—no matter what challenges the economy throws their way.
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