M.L. BACKUS
AUTHOR

M.L. BACKUS

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M.L. Backus brings a rare combination of Wall Street expertise, frontline financial counseling experience, and practical homesteading knowledge to everything she writes. For 20 years, she worked as a FINRA-licensed securities and insurance professional, holding Series 7, 63, and 3 licenses, guiding clients through investments, options trading, retirement planning, and long-term financial security. Like many in the financial services industry, M.L. had to pivot her career path after the 2008 economic collapse. 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 frontline experience gives her uncommon insight into the real challenges people face when navigating these critical programs, including the tax implications of Social Security benefits and the retirement tax strategies most people never learn until it's too late. The economic upheaval also inspired M.L. to pursue greater self-sufficiency. She embraced homesteading, learning to raise chickens, grow food, and build a more resilient, independent lifestyle, skills she shares to help others create security and confidence in uncertain times. Today, M.L. writes across the full spectrum of personal finance and practical living, from Medicare and Social Security to investing, options trading, estate planning, retirement planning, tax planning in retirement, and Social Security taxation, alongside homesteading topics like raising chickens and growing your own food. Her books translate complex financial and legal concepts into plain, actionable guidance that real people can actually use. Whether you're a first-time investor, a retiree navigating the tax maze, someone planning your estate, or a family ready to take its first steps toward self-sufficiency, M.L.'s mission remains constant: empower people with knowledge and practical skills to build more secure, self-reliant lives, no matter what challenges the economy throws their way.
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