Topics & Guides

These are the areas I get asked about most. I'll keep adding more over time.

Budgeting & Cash Flow

How to see where your money is actually going without turning your life into a spreadsheet nightmare. I like simple categories and clear rules instead of tracking every coffee.

• Budgeting basics and how I structure categories.
• Handling irregular expenses (car repairs, travel, yearly bills).
• Deciding how much you can safely save and invest each month.

Saving & Safety Nets

Cash isn't exciting, but it keeps you from getting knocked out of the game. I treat safety nets as a separate question from investing: how much do I need to sleep at night?

• How I decide emergency fund size.
• Where I keep short-term vs long-term cash.
• Balancing security with not sitting on too much idle money.

Investing

I'm a long-term investor. I think in years and decades, not trading days. I care about asset allocation, tax efficiency, and having conviction in what I own so I can hold through volatility.

• How I think about 401(k), Roth IRA, and taxable accounts together.
• Why I focus on simple, high-conviction ideas rather than constant trading.
• How I handle market drawdowns without panicking.

Advanced / Deep Dives

When you have the basics locked in, you can start running scenarios. This is where I nerd out on spreadsheets and planning.

• Modeling different retirement ages and withdrawal rates.
• Coordinating multiple accounts (401k, Roth, taxable, kids' accounts).
• Thinking about generational wealth and long-term compounding.