Personal and Business Finance
Simple is better, money does not have to be complicated. In fact, the easier you make managing your money the better off you are. I have broken each topic area into its own individual page and provided further granular details in various posts linked within those topic pages. These pages should provide you a solid starting point to find the topics and information you are interested in about money. There is no particular order you have to follow as everyones journey to financial knowledge is different. Here is a breakdown of the topics and a description of the information you will find on their pages.
Money: Accounts
This page is dedicated to identifying all the different types of accounts that are useful and how they should be used. These are the type of accounts where your money is placed for security and wealth generation.
Money: Management
This page is dedicated to explaining how to set up a financial foundation with a systematic approach. Helping you gradually transition from financial uncertainty to long-term wealth-building, while maintaining financial security along the way. Here I cover liabilities and how to maximize their use while minimizing their cost.
Money: Credit Score
This page is dedicated to inform you how to build and maintain your credit with free tools and resources. Since credit is a tool, you also have the ability to destroy your credit in a financially productive way.
Money: Trust, Will and Estate Plans
This page explains the different types of Trusts, what goes into them along with how they’re used after you pass away. It’s one thing to be told about the various kinds of trusts, what they hold, why they matter, and how to set one up. It is equally important is understanding what happens after you’re gone and make sure your beneficiaries also understand. Without that clarity, your beneficiaries could be handed a stack of papers that say they own a lot but they wouldn’t know where those assets are or how to access them.
Money: Active Investments
This page covers various equity investment portfolios and some guidelines that can be used to construct overly simplistic or overly complicated strategies. I have listed the individual components I have used to build my portfolio and the tools utilized to locate the investment components.
Money: Business and Business Tax Savings
This page covers the different business formation structures, tax strategies, paperwork, employment paperwork, federal tax payments calendar and a few other topics. This is ment to be a good starting point on the paperwork needed to start a business and to generate ideas on how to save money on taxes utilizing business tax loopholes.
Money: W-2 Tax Savings
This page provides a list of accounts that can save you money on taxes along with a number of tax saving strategies if you are a W-2 employee.
Disclaimers: The pages starting with the title “Money” have been written from the perspective of an American with a High Risk Tolerance, in the fashion to inform people of observations made over the years. In no way is this a complete guide to all of the financial products available nor a recommendation of any products or methods used to achieve your desired results. Each individual’s situation is different and requires a tailored approach in accomplishing the desired outcome. These are simply ideas and things I have run into during my lifetime and how I see the world of money.
My notebook, now turned into this website, has been compiled from my experiences over the course of several decades and as a result incorporates several different viewpoints. These viewpoints include:
- Low interest rate environment of 2009
- Higher interest rate environment of 2023
- Households making less than $100,000 per year
- Households making over $200,000 per year
- Households making over $500,000 per year
- Business owners
- People who travel or live internationally
I will attempt to address the conflicting viewpoints as you read through the website by noting income specific comments, or years that the information is derived from by utilizing parentheses, like this one showing when I wrote this line. (2025)