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