Soldier. Student. Straight shooter.

I spent years in the military where the financial education amounted to “don't blow your signing bonus on a truck.” Meanwhile, the personal finance industry was busy selling seminars, courses, and vibes dressed up as advice.

I'm now on the CPA track and building the tools I wish existed when I was figuring this stuff out — calculators that give you a real answer, not a lead capture. Writing that explains the math without condescending to you.

Everything here is free, ungated, and ad-free. The business model is an email list that I don't abuse. If you find something useful, subscribe. That's it.

I'm not a licensed financial advisor. Nothing here is personalized advice. It's education — the kind that used to require either a rich family or an expensive professional.