About

One person, writing slowly, about money decisions that repeat.

This site has no sponsors, no affiliate links and nothing for sale. If that changes, it will say so on this page before it changes anywhere else.

The numbers in the essays are illustrative and chosen to be ordinary rather than flattering. They are meant to be replaced with yours.

Nothing here is personal financial advice. It is arithmetic and opinion, and the opinion is marked as such.

Last reviewed 2026-10-18.