— Foundations · Featured Essay
The five-dollar habit that beats a five-thousand-dollar windfall.
The windfall is a coin. The habit is a printing press. Here’s the math nobody shows you — and why it quietly changes everything.
Read the essay →editorial illustration · 16:9
Recently published.
Swipe, drag, or shift + scroll. Full archive available under each pillar.
APR 21
Foundations · 6 MIN
High-yield savings accounts, explained.
Earn 10–20x more than a regular savings account — with the same FDIC protection. Here’s everything to know.
APR 16
Investing · 9 MIN
My parents lost my college money in a single stock. Why I still invest.
When I was 12, my parents asked if they should put my college fund into AOL stock. Here’s what happened next.
APR 14
Foundations · 8 MIN
The 50/30/20 rule: does it still work?
Half of Americans say rising costs will derail their money goals. An honest look at whether the classic rule holds up.
APR 10
Foundations · 5 MIN
How to read your pay stub.
More information hides in your pay stub than the take-home number. Here’s how to decode every line.
APR 7
Foundations · 6 MIN
Emergency fund: how much is enough?
Your number isn’t three months, six months, or anything you read in a listicle. Here’s how to find yours.
APR 3
Debt & Credit · 10 MIN
America’s credit card crisis: what it means for you.
Credit card debt just hit $1.3 trillion. Half of cardholders can’t pay off their balance. Here’s what’s happening.
Money. Mind. Body.
One system, not three self-improvement projects. Pick the pillar that’s quietest right now — that’s usually where to start.
Pillar One
Money.
Budgeting, debt, investing, net worth, and the systems that run while you sleep. The measurable pillar — where most people start, and where the quickest wins live.
9 posts published · 40+ scheduled
Pillar Two
Mind.
The operating system running every financial decision you make. Focus, impulse control, attention — and what to do when your brain keeps sabotaging your budget at 11pm.
Coming in July8+ essays in the queue
Pillar Three
Body.
Sleep, movement, fuel, recovery. The hardware underneath every goal you’re chasing. The pillar nobody in personal finance wants to talk about — and the one that changes everything.
Coming in August9+ essays in the queue
— For New Readers
Start here.
The posts that most readers read first. If you’re new, these answer the questions that come up before everything else — in the order to read them.
The Manifesto · Start Here
I was bleeding money, running on fumes, and couldn’t think straight.
A system failure disguised as three separate problems — money, mind, and body all breaking down at once, feeding each other in a cycle I couldn’t see. This is the story of how I broke out, and why Wealthy Habits exists.
02
Foundations
Your first budget in 30 minutes.
Half of Americans live paycheck to paycheck — not because they don’t earn enough, but because no one ever showed them how.
03
Foundations
What net worth is, and why it matters more than income.
The one number that shows whether your finances are actually moving forward — and how to calculate yours in 10 minutes.
04
Foundations
Emergency fund: how much is enough?
Your number isn’t three months, six months, or anything you read in a listicle. Here’s how to find yours based on your actual life.
05
Foundations
How to read your pay stub.
Your pay stub holds more information than take-home pay. Here’s how to decode every line — and why it matters.
Free Field Guide
Build the habit. Own your future.
A short field guide to the money, mind, and body moves that actually compound. No fluff, no filler — just the system I wish I’d had ten years ago.
Signup opens in May — the field guide is in final edits.
Wealthy Habits · Field Guide 01
The Quiet Math of Compound Habits
From the shop.
Spreadsheets and systems to put the ideas into practice.
Budget
50/30/20 Budget Tracker
The classic split in a ready-to-use Excel spreadsheet. Instant download, fully editable.
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Budget · Bills
Wealth Building Budget Tracker
Monthly budget, savings goals, and a bill tracker in one sheet. Google Sheets or Excel.
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Bundle · FIRE
Financial Independence Bundle
FIRE calculator, net worth tracker, and budget planner bundled together.
View on Etsy →
System · Debt
Wealth Builder System
Budget, net worth, and debt payoff trackers in one integrated system.
View on Etsy →
Build the habit. Own your future.
Mindful spending. Intentional saving. Lasting wealth.