Master Your Life's Essentials
Master your money, digital security, and critical routines with battle-tested guides.
I've spent 15 years researching credit cards, digital privacy, and gear so you don't have to. By treating personal finance as a system, I've optimized my setup to earn rewards while paying $0 in interest.
This site is the cheat sheet: no fluff, no sponsored bias, just the exact strategies I use to optimize my financial and digital setup.
Guides
In-depth resources to help you make better decisions.
How to Master Personal Finance
Master budgeting, build wealth, and achieve financial independence with proven strategies.
Beyond the Basics: Advanced Personal Finance Strategies
For those who've mastered the fundamentals: advanced tactics to accelerate wealth building, minimize taxes, and optimize every dollar.
Chase 5/24 Rule Explained: The 2026 Strategy Guide
The single most important constraint in credit card strategy—and how to work with it (or around it).
How to Win the Credit Card Game
Earn massive rewards, build an elite credit score, and travel for free—without ever paying interest.
How to Secure Your Digital Life
Master the essentials: password managers, 2FA, browser privacy, and your one-time security setup.
How to Disappear: The Advanced Privacy Guide
For those who've mastered the basics: encrypted email, phone privacy, data removal, and advanced tactics.
What to Do If You Have Been Hacked or Doxxed
Immediate actions if you've been hacked, doxxed, SIM swapped, or scammed. Act quickly.
How to Choose the Perfect Travel Credit Card (2026)
Master travel rewards with the best credit cards for flights, hotels, and elite status.
Roth vs. Pre-Tax 401k: How to Decide
Stop guessing where your 15% should go. A math-based framework for choosing between Roth and Pre-tax contributions.
The One-Bag Travel Infrastructure
Master the art of indefinite travel with a single carry-on bag. A complete logistics system.
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Featured Gear
Hand-picked products that genuinely improved my life.
This is the ultimate minimalist sling. It holds my phone, wallet, keys, and AirPods perfectly without being bulky. The leather is premium, and it just gets better with age. It forces me to carry only what I need, which is surprisingly liberating.
I've tried almost every premium earbud on the market, but the AirPods Pro 2 remain my daily driver because of the ecosystem magic. The noise cancellation is industry-leading, and the transparency mode is so natural I often forget I'm wearing them.
The structural foundation of my desk. It elevates the monitor while creating a modular shelving system that removes desk surface clutter.
Matches the Balolo walnut grain perfectly. Keeps my pens and everyday tools organized and within reach without cluttering the main desk space.
Typing on a flat laptop keyboard for 8 hours hurts my wrists. This gives me the satisfying mechanical feel I need for writing docs and focused work—transforming my laptop into a workstation anywhere. The only keyboard that fits perfectly ON TOP of my MacBook keyboard (preserving the trackpad). (The Verge agrees)