Hi there.

I've noticed that many members here have quite a bit of life experience, so I'd like to ask for some advice.

I'm 44, single, and migrated to California (SF Bay Area) from the Philippines with my dog in 2014. I've adapted pretty well (people assume that I grew up here), but I'm still getting used to how things work in this country. Although my sister (a U.S. citizen) helped me acquire an excellent credit score (by piggybacking off of her card), I only recently started working on establishing some credit history. I'm not in the habit of buying things I don't need. I don't have any huge debts, but I don't have much in terms of savings, either.

I've been living with my sister and her husband in an extended household. Although I have some skills (writer, proofreader, editor, corporate trainer, ESL instructor, etc.) and experience, I don't enjoy working for companies (esp. if they clash with my values) nor managing (difficult) people. I currently work as a private swim instructor (by myself and as an independent contractor) and am pretty good at it. I have a lot of flexibility and love teaching but I don't have medical insurance and the usual benefits of a regular full-time job. I'm currently looking for other ways to supplement my income. Although I pay for gas, my sister has been kind enough to let me use her car for work.

I have friends in Sacramento (married with a three-year-old daughter) who have invited me to live with them. Although I'll be less comfortable, my earning potential may improve, plus I'll be able to save a lot more in terms of rent--around $300 monthly. Because I don't want to jeopardize our relationship, I've asked them to draft an agreement so that our mutual expectations are clear. If things go smoothly, I'll probably move in by December.

My health is pretty good for my age. I don't smoke (tobacco, ha ha), only drink socially, and I've been a vegetarian since I was 18.

I get anxious about not being practical and want to know if I'm worrying too much. I know I should have more money in case of an emergency, but other than that, I wonder if choosing a simpler, less stressful life in this country will eventually bite me in the butt.

Please, I don't need a lecture from people who can't relate with my choices. I need constructive feedback, particularly from people who have chosen a life like mine or know someone who has. Any practical advice would be greatly appreciated. If you need more info, just ask.

Thanks in advance.