— money —

Money’s just another garden.

Compound interest, debt that shrinks, money that stays.

Run the numbers.

Quiet little calculators. No upsells, no “book a call,” no nonsense.

Growth Compound Interest See what a steady deposit turns into when you leave it alone long enough to grow. Plant a number Debt Debt Payoff Calculator Add up what you owe, see your debt-free date, and watch what an extra payment does. See your date Home Mortgage Payoff How much an extra $50 a month shaves off your loan — and your interest bill. Shorten the runway Debt Debt Snowball Order your debts, pick a pace, watch the smallest one disappear first. Then the next. Start rolling Retirement Retirement Number A back-of-the-envelope nest egg target based on what you actually spend. Find your number Safety net Emergency Fund Goal Three months, six months, or somewhere in between — what’s enough for your life. Size the cushion Long game Coast FIRE Calculator The age your investments are big enough to coast on their own — even if you stop adding. Find the coast point

Money Lessons from a Grandma

Plain talk on the stuff Meemaw figured out the long way around.

Budgeting The 50/30/20 Rule (Meemaw Edition) The famous budget split, adjusted for real grocery prices, real rent, and the fact that life keeps happening. Read it Retirement Why You Should Start a Roth IRA Today No Matter Your Age The math, the why, and what I wish somebody had told me at 18. Read it Field notes Catching Up After Bad Years Divorce, layoffs, a roof that picked the worst possible week. How to rebuild without burning yourself out. Read it Spending The Real Cost of Subscriptions Eleven dollars here, fifteen there. Multiply by twelve, by ten years, by compound interest. Then decide. Read it

Meemaw’s Money Promise

No get-rich-quick. No shame about where you’re starting. No yelling.

Compound interest works the same way as compost — both quietly get better with time. We’re going to set up the conditions and then we’re going to leave it alone.

Capitalist enough to want the returns. Hippie enough to want them to mean something.

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