She also studied with William Merritt Chase in her last year at the Art Students League. She was elected women's vice president of the Art Student's League and contributed some illustrations to Harpers Magazine. As she sought out further outdoor venues, she was invited by Spencer Trask to paint at Woodstock in the Catskill Mountains. Fortune often painted at Lake George with DuMond. Luis Mora she learned the skills of an illustrator. Frank Vincent DuMond was a favorite teacher from whom she learned the importance of expressing her own individuality and the importance of light effects. The following year the family relocated to New York City, where she studied at the Art Students League until 1910. The 1906 San Francisco earthquake destroyed the Fortune family's home, virtually all of Effie's paintings, and the Mark Hopkins Institute of Art. In 1905, she returned to San Francisco, where she studied at the Mark Hopkins Institute of Art, then directed by Arthur Frank Mathews. She graduated in 1904 and went to London, where she studied at St John's Wood School of Art. In 1898 an aunt visited from Scotland and took Effie back with her, where she enrolled in St. Her father developed lung disease by 1890, prompting the family to move to Southern California in 1891.

She came from a wealthy family and was able to travel widely throughout her life. Having a cleft palate, as did her father, Effie resolved to never marry, lest the trait be passed on. She eschewed her given name Euphemia, and was known to friends as Effie. Her father was a Scot, William Ranken Fortune, and her mother was a native of San Francisco, Helen Hersberg. Fortune was born in Sausalito, Marin County, California, on January 15, 1885.

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