Mini Thoughts

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  • Frugal Friday July 17th 2026: Cash Discounts

    Looking for commenters to bring their frugal choices to these articles!

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  • Six Month Snowball Fund Review: High Octane Became Ashes

    My journey to $1,000 a month in passive income just got a major reality check. From realizing the true cost of weekly NAV decay to mapping out a safer $108,000 portfolio strategy, here is how I’m restructuring my dividend snowball for actual, long-term growth.

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  • July 2026: Six Months of Debt Work, How’s it Going?

    Facing a mid-year reality check, a raw audit of $80,000 in year-to-date debt movements strips away the illusions of credit card cash-back optimization to reveal the real culprit: a perfect storm of medical bills, property emergencies, and historical renovation balances.

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  • Sofi Wants to be an Everything Platform

    Arbitraging a 6.06% personal loan against a 10% HELOC balance unlocks guaranteed interest savings, while leveraging an honest, multi-layered tax breakdown reveals the exact math behind where math optimization ends and true investment cash flow begins.

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  • Six Months of Posting

    A six-month audit of the brand platform brings a strategic shift: pausing high-friction social media and video algorithms to double down on high-impact, low-effort returns through dividend picks, FreeCash, and debt paydown.

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  • Frugal Friday July 10th 2026: Saving Through Doing

    Finding an affordable solution for storm damage down to a fraction of the original quote—paired with a new tool—turns a stressful property emergency into an efficient, cost-effective win.

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  • Six Months of Progress. Is the Snowball a Failure?

    Six months in, an honest audit of the dividend snowball experiment reveals a 20% underperformance compared to the S&P 500—and why sticking to the plan through paper losses is the ultimate test of a Stoic investor.

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  • Minor Update: Storms are Expensive

    When a massive storm snaps an 80-foot yard tree halfway up, navigating conflicting arborist opinions and $4,000 removal quotes highlights the painful reality of unexpected property maintenance costs.

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  • Internet + Tornado = No Fun

        This will be a short post.  Yesterday a lovely storm tore through my neighborhood and damaged a bunch of trees. We are still out of internet so posting is rough from the phone. This is the go live week for 530A accounts and I wanted to discuss those again,  as well as having several…

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