We publish four newsletters. Each one is written for a single reader at a single point in their life: the year you retire, the year the business gets real, the years the kids are small, the year the paychecks start. Education, never advice.
The lore is how people live with money. The ledger is what it costs.
The list
Each written for a reader the finance shelf keeps missing.
No. 04New
Tally
Twenty-three, a first real job, and a fourth-floor walk-up in Astoria. Money figured out in public, one week ahead of you instead of twenty years, with her ledger at the top of every issue and the running tally at the bottom.
“It pays $62,000 a year, which sounded like a lot until I learned what rent is.”
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No. 01
Richard
A weekly letter on the part of retirement nobody plans for. Turning the pile back into a paycheck, and working out who you are once the calendar is empty.
“You spent forty years learning to save. Nobody ever taught you how to spend. That’s the actual hard part.”
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No. 02
Dana
For people who own the thing. Where the business ends and your own money begins — entity, payroll, cash flow, and the exit you haven’t let yourself think about yet.
“Your business and your personal money are the same problem. Nobody sits you down and says so.”
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No. 03
Nora
One family money decision a week, with the real numbers attached and one thing you can finish tonight. Written for parents who have no spare hour and know it.
“You’re not bad with money. You just haven’t started. Those are completely different problems.”
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House rules
How we write
Every title is written for one person at one moment, not for an audience. We would rather be necessary to a few thousand people than pleasant to a million.
If there is a number in the argument, it goes on the page, worked out in plain words. A claim we can’t show, we don’t print.
Most money writing is a vocabulary test, and failing it is why people stop reading. If a sentence needs a glossary, it gets rewritten.
What we won’t do
We show how a decision works and what it costs. What’s right for your situation is a conversation for you and a qualified adviser, and we’ll help you find one.
Richard, Dana, Nora and Tally are characters written for these publications. We say so on the page rather than in the footnotes. The expertise behind them isn’t invented.
No products, no accounts under management, nobody’s client funnel. The newsletter isn’t the front end of something else. It’s the whole thing.
On our hosts
Richard, Dana, Nora and Tally are AI-crafted characters, written for these publications and not real individuals. Their lives are made up; the math is real. Every issue is built on real financial expertise, reviewed by people who spent their careers inside financial services, and published with that fact stated plainly rather than buried. You should always know who is talking to you. The characters are how we publish at this pace without pretending.