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.
A small, reliable edge you can capture almost every December, and after any real market drawdown. The wash sale rule is the trap.
The right answer for 95% of families. Buy 20-year level term equal to 10–15x your income, and stop taking meetings from anyone pitching you whole life.
Useful when your current bracket is higher than your expected bracket in retirement. For most middle-income savers, Roth is the better default.
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.