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.
You have to actually be willing to cancel for this to work. Most people aren't, which is why most people don't get one.
Not just for rich people. In states with painful probate (California, Florida), it's a middle-class necessity.
The tax bill you thought you deferred forever. Roth conversions in your low-income years between retirement and RMD age are where fortunes are quietly made.
A multi-year chess game, not a one-time decision. Best done in low-income years — post-retirement, pre-Social Security, pre-RMD.
The most powerful tax-advantaged account most people have access to — and the one they contribute to last. Fund it in January, not December.
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.