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The March Debt Battle: How Surprising Bills Wrecked the Avalanche
March brought a major reality check. Between January medical resets and over $5,800 in unexpected family medical bills, the “Debt Avalanche” hit a wall. Here is how I’m pivoting—including a strategic move to my HELOC—to stop 22% interest from killing my momentum.
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No Electronic Sunday
eclaiming family time by reviving a long-standing tradition: No Electronic Sunday. In a world of constant digital noise, sometimes the best move for the “Snowball” mindset is to unplug, open the windows, and reach for a board game instead of a remote.
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Coming Soon: Posts in the Pipeline
This week was a whirlwind of YouTube, X, and the daily grind, but it’s the perfect time to look ahead. From Frugal Fridays to a new “Basics of Finance” series and a permanent Glossary, I’m mapping out the next phase of the Snowball journey. Here’s a peek at the roadmap for the year of daily…
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Frugal Friday 3/13/26: Fast Food or Leftovers?
A lesson in Frugal Friday: Balancing a son’s hard work with a commitment to the debt snowball. Discover how expiring reward points turned a “leftovers night” into a free family meal and why utilizing every tool in your financial toolbox matters.
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Shiny New Snowball Priority List vs Wife’s Brokerage Account
To maximize our “money’s worth” from Robinhood Gold, I am pivoting all incoming capital to my wife’s brokerage account until it hits our $3,000 goal. Here is the plan: utilizing the $1,000 interest-free margin, setting DRIP, and prioritizing this account over my own to accelerate our total snowball.
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Food Deserts Are Real. So Is Discipline. Here’s How to Eat Anyway
After a challenge on X regarding food access in Indianapolis, I’m breaking down the reality of “Food Deserts.” Is it a true lack of nutrition, or a lack of access—and how does a $112 bike change the math? I’m looking at the intersection of local geography, wage reality, and the grit required to build a…
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15 High Octane Funds to Accelerate my Snowball in 2026
After a $2,000 haircut on my largest holding, the plan had to change. I’m moving toward a $50,000 portfolio goal with a new, disciplined 15% concentration cap. No more “shoving shares” at underperformers—it’s time to execute a strategy that actually scales.
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How do You Budget? I Want to Track it All.
I’m opening up the books and looking at every single dollar. From the “scary” $93k annual total to the actual $47k it costs to keep our household running, here is the raw breakdown of my 2026 budget, the hidden subscriptions I found, and how I’m tracking my emergency fund.
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Time Change or Time for Change?
Daylight Saving Time is here, and it brings the dreaded “spring ahead” exhaustion. But rather than letting the clock dictate my productivity, I’m using this disruption as a catalyst. With 51 posts behind me and 314 to go, it’s time to align my exercise routine with my writing workflow to push my snowball faster.
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Products for Sale: Why My Site Will Stay Free
People keep asking when I’m going to start charging for content or pushing affiliate products. The answer is simple: I’m not. Here is why keeping this site free is a strategic choice, and why the value of the information shared here—and the community built around it—far outweighs the quick buck of a paywall.
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