Archive

Nov 9, 2026

The Reindex

The IRS just moved almost 70 numbers for 2027, and none of your autopilots know it yet. Here's the one-hour reset that updates every paycheck percentage, payroll deduction, and gift plan before January runs on last year's math.

Nov 8, 2026

The Loud Week

An election, a Fed on hold with December still live, and a jobs market gone lukewarm. A Sunday look at why loud information is rarely actionable, what the midterm history actually says, and how to run your money off a calendar instead of a headline.

Nov 6, 2026

The Owner's Plan

If you work for yourself, a SEP IRA is the consolation prize. A Solo 401(k) can shelter about twice as much at the same income, but a few things have to happen before December 31. Here's the math, the three deadlines, and the system that makes the call in November instead of April.

Nov 4, 2026

The Separation File

Hiring just slowed to 29,000 jobs in a month, and fourth quarter is when next year's budgets get cut. Here's the folder to build this week while your login still works, and the 30-day plan for every clock that starts the day that calendar invite shows up.

Nov 2, 2026

The Handoff

The 2026 gift exclusion dies on December 31, and most families still move money the least efficient way there is: cash in a card. Here's the four-lane system for giving that skips the tax bill, uses the 0 percent bracket, and front-loads a grandkid's 529 before the year closes.

Nov 1, 2026

The Money Illusion

We keep score in dollars, but the dollar is a ruler that shrinks a little every year, and this year it shrank faster. A Sunday look at the difference between feeling richer and being richer, and why almost every money mistake starts with the wrong unit of measurement.

Oct 30, 2026

The In-Service Date

Bonus depreciation is back at 100 percent for good, Section 179 now covers 2.56 million dollars, and computer equipment costs 9.7 percent more than a year ago. None of it matters if the asset isn't running by December 31. Here's the year-end equipment system for operators, and the math that tells you when not to buy.

Oct 28, 2026

The First Paycheck

Retailers are hiring up to 375,000 seasonal workers right now, and a lot of them are teenagers. Their first W-2 can open the most powerful account they'll ever own, and if you run a business, you might be the best employer they could have. Here's the playbook before December 31 closes the year.

Oct 26, 2026

The Real Floor

Inflation just hit 3.7 percent, your savings account is earning roughly nothing after it, and the Treasury is about to sell the best guaranteed real return in nearly two decades. Here's the three-layer system, plus the login change that locks people out on Wednesday.