The only number I track monthly
Income minus spending, divided by income. Why the savings rate beats every other metric I tried, and the spreadsheet that replaced three apps.
Slow notes on money
I write here when I learn something about budgeting, index funds, or the long walk toward not needing a paycheck. Short posts, no products, no affiliate links.
How big should an emergency fund actually be
Six months is the folk wisdom. I ended up with four, and a list of what counts as an emergency so I stop raiding it for flights.
A portfolio you can explain in one sentence
Two index funds and a cash buffer. What changed when I stopped rebalancing by feel and wrote the rule down.