Most financial plans fail for one simple reason: They assume life will cooperate. Stable income. Stable household. Stable health. Stable emotions. Stable priorities. That assumption is not wisdom. It’s fantasy. Real life does not unfold in straight lines. It moves in cycles, disruptions, seasons, and reinventions. People fall in love,...

Most financial advice assumes life is stable. Stable income. Stable household. Stable filing status. Stable priorities. That assumption is wrong. Real life moves in seasons, transitions, and interruptions. People fall in love, fall apart, rebuild, change careers, take breaks, become parents, lose parents, and start over. And while life is fluid, the tax...

Being single is not a financial flaw. That sentence alone needs to be said slowly, because so much of the frustration people feel around money doesn’t come from bad decisions; it comes from silently absorbing the idea that something is wrong with them for not fitting the default household model the system...

My Recent Intentional Mortgage Recast The goal wasn’t to make more money. The goal was to structure my life so it didn’t require money to hit my pocket — so more can stay pre-tax and compounding. Fit & Whealthy principle: If your lifestyle requires income to hit checking, taxes get...