The 'Save 30%' Rule Is Bullshit — Here's What Actually Compounds
Save 30% of what? After taxes? Before retirement match? The savings-rate framing breaks down once you look at the actual mechanics. Here's the framework that replaces it.
Long-form essays. Real numbers. Specific scenarios. The pieces with an opinion.
Save 30% of what? After taxes? Before retirement match? The savings-rate framing breaks down once you look at the actual mechanics. Here's the framework that replaces it.
An honest taxonomy of the side hustles people start vs the side hustles that pay. The two filters that separate them.
The exact two-meeting sequence — including the email I sent, the leverage I built, and the line that did the work.
Where the math still pencils in 2026 (mid-tier metros, sub-7% mortgage paths) and where it absolutely does not.
The full ladder: balance transfer, side income, written cutoff date. Plus the things I tried that wasted time.
Two real funded accounts, $5K each, three months. The performance, the friction, the verdict.
Not 'Rich Dad Poor Dad.' Five books I can directly trace to specific financial decisions worth six figures.
The case for index funds is real. So is the case against — for a specific subset of earners. Here's where I land.
Most '$10K passive' content is course-funnel garbage. Here's the boring 5-year build that actually gets there.
Eight gigs, real rates, real client-acquisition steps. No surveys, no MLM, no 'easy work from home' nonsense.