Home The Ledger
Notes on money, written plainly.
No forecasts, no hot takes, no "five stocks to watch." Just the things we find ourselves drawing on napkins in first meetings, written down properly.
Why your plan must fit on one page
A 40-page financial plan is a document nobody rereads. The discipline of one page is the discipline of knowing what actually matters.
The cost of listening to forecasts
We scored ten years of famous year-ahead predictions against a boring index. The index won by enough to fund a house.
RSUs are salary wearing a costume
The single most expensive belief among tech clients: that unvested equity is "extra." It's salary — tax it, plan it, diversify it like salary.
Sequence risk, the retirement ambush
Two retirees, identical returns, different order — one runs out of money. The single chart every 55-year-old should see.
The family meeting agenda we use
The exact one-hour agenda that turns "we should talk about the will someday" into a done thing. Steal it.
Enough is a number, not a feeling
Compute it once, honestly, and a surprising number of decisions — jobs, houses, arguments — get easier. Here's the arithmetic.