Personal finance for people who want to be great with money — written by the friend who already is.
The Smart Money Dictionary
A living glossary of the terms, tricks, and rules of thumb that quietly shape your money — translated the way a friend would actually explain them.
49 entries and growing.
Made sense in 2021. Almost never makes sense now unless you're consolidating high-interest debt or investing in something with a return well above your new rate.
The single best domestic points redemption in the country if you have a partner or a kid over two. Earned by hitting 135,000 qualifying points in a calendar year.
Mostly obsolete now that 529s can be used for K-12 in many states. Sometimes still useful for specific private school situations.
Above 760, additional points buy you nothing. Chasing 850 is a hobby, not a strategy.
The weekly dispatch
The kind of financial advice you'd get from a friend who's already figured it out. No hot takes, no leaderboards, no affiliate hustle.