The exact setups I use to build wealth and stay private
15 years of testing, turned into guides that tell you exactly what to do.
Wealth Optimization
Credit card strategy, savings accounts, and retirement math: the exact setups that work.
How to Manage Your Money
Where to keep an emergency fund, which debt to pay first, and how to automate investing.
Start hereHow to Win the Credit Card Game
Which cards to get, in what order, to earn free travel without paying interest or hurting your credit.
Start hereHow to Choose a High-Yield Savings Account
Why the highest APY isn't the point, why same-day transfers matter more, and the two-account setup I use.
Advanced Wealth Management: Strategy Guide
Once the basics are maxed: backdoor Roth, tax-loss harvesting, HSAs, and which account each investment belongs in.
Backdoor Roth IRA: A Step-by-Step Walkthrough
How to fund a Roth IRA when your income is over the limit, without tripping the pro-rata rule.
Roth vs. Pre-Tax 401k: How to Choose
Pay the tax now or later? It comes down to whether your tax rate is higher today or in retirement.
NewWealthfront Review: Automated Investing
A hands-on review of Wealthfront's investing platform: automated index funds, tax-loss harvesting, retirement accounts, and the Portfolio Line of Credit.
Bilt 2.0: Earn Points on Rent or Mortgage
How Bilt earns points on rent or a mortgage, and which housing option and card tier earn the most.
NewCredit Card Packs: Which Points System Fits You
What's in the Chase, Amex, Capital One, Citi, Bilt, and Bank of America card packs, who each is built for, and how to combine them.
How to Choose the Best Travel Credit Card (2026)
The travel cards worth carrying, which one to start with, and how to combine them.
Amex Platinum vs. Chase Sapphire Reserve
Fees, lounges, and what the points are worth: which premium card fits how you travel.
How to Master the Chase 5/24 Rule
Chase turns you down if you opened 5+ cards in two years. How to order your applications around it.
Security, Privacy & AI
Protect your digital life and get ahead of AI with the same systems I run every day.
How to Secure Your Digital Life
The setup I use for passwords, two-factor login, and browser privacy, in order of impact.
Start herePasskeys: The Password Replacement That Works
How passkeys stop phishing and password reuse, and how to set them up on every major platform.
Advanced Privacy & Security
Signal, encrypted email, locking down your phone, and getting your data off broker sites.
LLMs & AI Privacy: What You Should Know
How ChatGPT, Claude, Gemini, and AI voice tools handle your data, plus the prompting habits, settings, and alternatives that reduce your exposure.
Do You Need a Hardware Security Key?
Who should use a hardware security key, which YubiKey to buy, and how to set it up across Google, GitHub, and your password manager.
Hacked? A Step-by-Step Emergency Response
What to do, in order, when an account is taken over, money goes missing, or your identity is stolen.
Featured Gear
The products I use every day, and why.
