In America, value is often discarded long before it’s actually gone. Cars are the clearest example. Most vehicles aren’t replaced because they’re unsafe, unreliable, or unusable. They’re replaced because the body style changed, the tech feels dated, warranties expire, or expectations reset. The car didn’t fail — the story around the car...
How buying undervalued homes can build communities and accelerate financial independence For decades, housing markets didn’t price homes based purely on fundamentals. They priced them based on who had access — to neighborhoods, to credit, to fair appraisals, and to opportunity. Redlining may be illegal today, but its financial aftershocks...
It Was About Losing Margin — and What Happens When a Society Lives Without It When The Two-Income Trap was published, most people misunderstood its message. They thought Elizabeth Warren and Amelia Tyagi were criticizing: They weren’t. The book wasn’t cultural commentary. It was systems analysis. And two decades later,...
Ahhh… the good old stress cycle. At first, everything feels fine. The week is smooth. The workload feels manageable. Then a deadline approaches. People start freaking out. Stress gets pushed around the room. You feel it land on you. Suddenly you’re under arrest — except there’s nothing actually happening. There’s...
I didn’t expect going back to work to feel this hard. After stepping away from full-time work — after tasting what control over my time actually feels like — returning to a five-day workweek has been a shock to the system. Not because the work is difficult. Not because I...
Most people think Roth conversions are something you worry about later in life—your 40s, your 50s, maybe even early retirement. That mindset is backwards. If Trump Accounts roll out the way they’re being discussed, the most powerful Roth conversion window may actually be ages 18 through 30—long before most people even...
Politics Aside. Let’s talk about Trump Accounts for a second—because if these accounts roll out the way they’re being discussed, they could quietly become one of the most powerful long-term wealth-building tools we’ve ever seen for children. Not flashy. Not speculative. Just math, time, and discipline. And those three things have always...
Let me take you back for a second. We’re at this family reunion—kids running around, grills smoking, laughter, the heat 🥵—and I overhear two dudes in the corner talking money. Not the elders. Not people who’ve studied the game. Just two boyfriends of family members trying to out-talk each other...
It’s been a long time since I’ve sat down to write like this. Life has been loud, unpredictable, transformative; and honestly, I’ve missed contributing to this blog more than I can explain. But here we are… back at it again. A little older, a lot wiser, and definitely stronger. So...
The Great Conundrum Traditional Accounts allow you to save on taxes as the contributions are deposited prior to any deductions being taken from your paycheck. Pre-tax contributions reduce your taxable income by the amount you contribute, in example if you make 40k and contribute 19k to your pre-tax retirement account,...
