Mini Thoughts

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  • October 2026 End of Month

    Crossed the $5,000 mark in annual dividends despite taking a $10,000 hit in share value—here’s the full October portfolio recap, income grinding breakdown, and our game plan for pivoting into debt payoff once my wife’s IRA is capped.

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  • Financial Education Series: Budgeting, the Key to Success

    A simple, realistic introduction to budgeting for high schoolers and beginners: how to track utility spikes, run the envelope method, and cover all the basics on a minimum wage income while still funding your Future Self.

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  • Traditions: Fall Always Brings Them Out

    Almost forty years of family tradition, an overdue apple picking trip, and a dinner table conversation with my son about why local community connections still matter in a hyper-connected world.

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  • October Debt

    Down another $4,038 in true debt this month! Here’s the breakdown on our reduced $500 envelope budget, why I’m keeping my 401k contributions untouched despite the 9.5% loan, and the exact date we finish maxing my wife’s IRA.

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  • Atlas Earth Side Hustle 30 Days

    I paid $10 for Atlas Earth’s October ladder to test if the extra parcels are worth it. Here’s the math on parcel boost tiers, $10/month costs, and my strategy for hitting 150 land parcels before cashing out into debt and dividends.

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  • Fun Fall Activities: Rebuilding Computers

    Speeding up sluggish PCs with AtlasOS for gaming and Nobara Linux for dual-booting, plus the ongoing search for a missing Minecraft save file.

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  • September 2026 End of Month: Lots of Overspending

    September was the expensive kind of quiet. The fair, a trip home, surgery, a wedding hotel, and a pile of “we knew we wouldn’t leave the house” dinners all hit the card, plus the usual suspects: an Ocarina of Time pre-order, WoW Forever, an electric ocarina, the Legion Go still riding the card, and Hyundai’s…

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  • General Update on September: Side Hustles and Housework

    September flew by between taking care of my wife post-surgery, fall yard work, and grinding out Swagbucks and Freecash payouts. Here’s a quick end-of-month check-in before October hits.

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  • New Project Idea

    Exploring the world of virtual card-ripping apps and testing whether bonus deposit promos are worth the risk. Plus, an updated breakdown of the Atlas Earth monthly subscription math and return on investment.

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