About

I've been on the personal finance journey for over a decade now. In that time I've gone from student to intern to data analyst, which is to say from broke to semi-broke to finally employed.

I've made plenty of mistakes along the way and learned more from them than from anything that went smoothly: how to manage money, how to build wealth over time, and how to balance investing for the future against getting real value out of the present. Most of us are ultimately trading hard-earned money for a life we hope will feel better, and that exchange rate deserves attention.

I'm also a bit obsessed with understanding how things work and optimizing systems for maximum gain with minimum effort. This blog is where those two things meet: mostly credit cards, markets, and the psychology of money, with tangents into whatever else has my attention, lately including AI and the occasional space rabbit hole.

If you're new here, the Money and Mind series and the real estate series are the best places to start.

I'm fully aware I'm still near the beginning of this journey, and I hope to keep learning alongside you.