The notes
Honest stories about saving, spending, investing and side income.
Quiet Discipline: Why I Don’t Show Off
I cut my own hair, rarely buy clothes and fix things myself. Not because I have to, but because quiet wealth is the only kind that lasts.
I Always Had a Side Income — Here Is What It Taught Me
From design and video editing as a student to marketing clients next to a full-time job. Some months the side income beat my salary.
Boring Investing: Why I Put My Money in One Index Fund
No trading, no tips, no drama. Here is why I invest in a single broad, low-cost S&P 500 index fund and plan for the long term.
My Two-Budget System: Fuel and Everything Else
Complicated budgets fail. I use two fixed monthly limits and I stick to them. Here is how it works.
Why I Only Buy Simple, Older Cars — With Cash
I have never had a car payment. Here is why I drive simple, reliable cars and why it is one of my best money habits.
How I Built My Own Home and Never Paid Rent
The single biggest financial decision I made was refusing to rent for years. Here is how saving almost everything turned into a house I built myself.