For Better or Worth
Personal finance creators documenting ETF‑centric portfolios (e.g., VOO/VTI/QQQM), performance snapshots, and allocation rationale.
Diversify with Index Funds, Skip the Perfect Stock Hunt
Don't be stressed about picking the "perfect" stock. You don't have to. Broad index funds let you buy a tiny slice of 500 major companies all at once. Diversification protects you from the sudden collapse of any single company.
Biggest Month Yet: Index Funds Thrive, Stay Invested
Almost 8 years of sharing our net worth growth and investing journey on social media. And this April was one of the biggest months we've had. The S&P and Nasdaq just had their best months since 2020. ...
Investing: Choose Freedom over Fleeting Status Symbols
The hardest part of investing isn't the math—it's watching your neighbor buy a new car while you buy more index funds. One is a status symbol; the other is a freedom ticket.
A Boring Financial
Having a "boring" financial life is the ultimate luxury. No panic when the market dips. No checking prices at work. No chasing the hype. Just automated wealth while you sleep.
HSAs: Tax‑Free Growth, Lifetime Benefits, Retirement Flexibility
Why we love Health Savings Accounts (HSAs) in 2026: 1️⃣ Tax-deductible contributions (lower your taxable income) 2️⃣ Tax-free investment growth 3️⃣ Tax-free withdrawals for medical bills 4️⃣ Your balance never expires and stays with you if you change jobs. 5️⃣ At age...
Artemis II's Parachutes Deploy Flawlessly, Awe-Inspiring Safe Return
Literally holding my breath watching Artemis II deploy those parachutes and return safely. How amazing?!
Focus on Your Finances, Not Market Noise
The stock market feels disconnected from reality, but YOUR finances shouldn’t be. Control what you can: 📌 spending 📌 savings rate 📌 asset allocation Ignore the noise.
Quarterly Check: Have You Saved 25% Yet?
A quarter of the year is gone. If your goal is to save $5,000 this year, did you save $1,250 so far? If your goal was to pay off a $3,000 credit card, did you pay off $750...
Even Top-Performing Oracle Employees Still Face Layoffs
Some of those Oracle employees hit every deadline, got strong performance reviews, and did “everything right." Still gone.
Consistent Roth IRA Contributions Paved Path Before Taxable Shift
I started investing in my Roth IRA in 2011 and my wife, in 2013. We maxed them out year after year and bought mainly index funds and tech stocks like Nvidia, Google, and Apple. 2019 was the last...
Down $142K, Still Buying and Holding Long-Term
We are down $142K in our investment portfolio since the beginning of 2026. What are we doing about it?? Continuing to buy more and stay invested for the long term.
Sunday Routine: Pay Bills, Plan Meals, Review Finances
Things we do on Sundays to get our money right for the week: 1. Pay off credit cards from the prior week 2. Grocery shopping /meal planning 3. Review our joint checking account 4. Review sinking fund accounts 5. Plan for the week's...
Maximize HSA Growth by Fully Investing in S&P
We have a rollover HSA ($25K) that is sitting in Fidelity and it is 100% invested in the S&P. We use our current HSA for any medical expenses which are few and far between.
America’s $150K Household Budget Reveals Massive Deficit
If the United States was a household making $150K a year, here is what its finances would look like...
Stay Invested: Ignore Market Noise and Avoid Panic Withdrawals
The stock market is all over the place. Ignore the noise. And if you're a long term investor DEAR GOD please DO NOT take your money out.