Field Notes

What we're
thinking about.

Notes on money, philosophy, and the hidden machinery — the same material the course puts on trial every Friday, published in the open.

N° 01 The $900,000 difference: why when beats how much $200 a month from age 18 ends near $1.2 million. The identical habit from 35 ends near $300,000. The arithmetic of the head start, shown honestly. Money · 4 min N° 02 The 401(k) was an accident. Here's how to play it anyway. A 1978 tax footnote that replaced the pension because it was cheaper. The risk transfer, the fee siphon, the honest counterargument — and the four moves that beat it. In Practice · 5 min N° 03 We were told we could be anything. Nobody mentioned the rent. We got "you can be anything." Our kids are getting "follow your passion." Same speech, same missing sentence — and what the complete version sounds like. Philosophy · 5 min

The notes are free. The course is where they become accounts, habits, and a written answer.

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