The Plain‑English Take There was a time when a steady paycheck, a pension, and a gold watch weren’t a fantasy. They were the deal. If you put in decades, the company carried the risk: markets, longevity, healthcare. In the 1980s,...
Most middle-class households aren’t “bad with money.” They’re paying a quiet tax in fixed costs and frictions—housing, healthcare, childcare, and high-APR debt—that eat the raise before it ever hits savings. The way out isn’t hustle culture or guilt; it’s design....
Why this matters (more than your will) A once-a-year habit that keeps your intentions aligned with your paperwork—and your family out of avoidable messes. For a lot of assets, the beneficiary form beats your will. Retirement plans (401(k)/403(b)/457, IRAs), HSAs,...
Reality Check You don’t need another lecture. You need a plan that works in the middle of real life—when the rent is due, the car needs brakes, and your credit card is doing more work than your paycheck. If you’ve...
