What I'd say if we were getting coffee. Written down.
Careers, money psychology, the moves that compound in your 20s. Direct, opinionated, no fluff.
May 12, 2026 · 5 min
the first paycheck checklist that nobody gives you
HR hands you a stack of forms on day one. Nobody explains what actually matters. Here's the walkthrough I wish I'd had: direct deposit, the 401(k) match, HSA decisions, and the withholding check that saves you from a surprise tax bill.
May 7, 2026 · 5 min
gen z's credit card problem isn't math. it's a feeling.
10% of young cardholders are now delinquent, the highest rate of any age group. The New York Fed points to sports betting, but the real issue runs deeper: we're spending to close the gap between the life we see and the life we can afford.
May 5, 2026 · 7 min
how to actually evaluate a job offer beyond the base salary
Most 22-24-year-olds fixate on the base number and ignore the rest. Here's what I walk through with every client who brings me an offer — total comp, bonus risk, equity reality, and the stuff that actually matters at this career stage.
May 3, 2026 · 4 min
the SAVE plan is ending — what you actually do in July if you're on it
7.5 million borrowers just got 90 days to pick a new repayment plan. Here's how to think through your actual options without panicking or sleepwalking into whatever the system picks for you.
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