How money really works.
Short, factual lessons. My understanding, written plainly. New posts land here first.
What money really is
Most money isn't printed. It's typed into existence when someone takes out a loan.
Who runs it (the Fed, banks and government)
The Fed isn't a private company. It's weirder than that.
Why cash loses
A dollar from 1913 buys about 3 cents of stuff today.
Stop following the herd.
A weekly email with one lesson and the news that mattered. Signups are opening soon. Until then, join the community.
Who profits from your money
Your advisor's 1% fee could cost you almost $2 million.
How companies make money
A stock isn't a ticker. It's a slice of a business. Learn to read the business.
Build your own portfolio
Diversification protects wealth. Concentration builds it. Sizing keeps you alive.
Crashes are part of the deal
Nvidia has dropped more than 50% twice since 2018. Holders still won. Here's how.
What's next (AI, robotics and productivity)
The way out of the debt problem isn't austerity. It's productivity, and AI just turned it on.
Reference pages
Glossary, cheat sheet, brokers, credit cards, wallets and how to read financial news.