Everything I’ve written

Shorter and timelier than the guides — one specific question at a time, usually because someone asked me it that week.

7 articles

The first hundred thousand is the slowest, and it is not because you are doing anything wrong.

Why a small starter emergency fund matters more than a fully-funded one, at least at first.

The order you do things in matters more than how fast you max any single account.

It's less dramatic and more expensive than most people expect.

One for bills, one for spending, one that I basically never touch. It's not complicated, it's just deliberate.

Should I use Roth or Traditional? Here's the actual question hiding underneath that one.

Three years of putting it off, and the whole thing took eleven minutes.