One Principle a Week

Wealth, discipline, and intentionality.

The $47,500 Roth Door Hiding in Your 401(k)

Sep 21, 2026

The $47,500 Roth Door Hiding in Your 401(k)

Your 401(k)'s real limit is $72,000, not $24,500.

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The 20% Deduction Most Side-Hustlers Never Claim

Sep 14, 2026

The 20% Deduction Most Side-Hustlers Never Claim

The QBI deduction 1099 earners quietly leave on the table.

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The "Stretch IRA" Is Dead. If You're Inheriting One, Read This.

Sep 7, 2026

The "Stretch IRA" Is Dead. If You're Inheriting One, Read This.

The lifetime "stretch" quietly died in 2019. Most heirs still don't know the 10-year clock — and the tax bill — is already running.

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The Retirement Account Disguised as a Health Plan

Aug 31, 2026

The Retirement Account Disguised as a Health Plan

Your HSA is a stealth retirement account. Use it like one.

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You Can Pay Your Student Loans and Still Get the 401(k) Match

Aug 24, 2026

You Can Pay Your Student Loans and Still Get the 401(k) Match

The old "pay loans or get the match" tradeoff is legally over. Here's the provision most people have never heard of.

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The Tax Rate You Won't Believe Is Real: 0%

Aug 17, 2026

The Tax Rate You Won't Believe Is Real: 0%

There's a 0% federal bracket on investment gains — and most people skip it in the exact years they could actually use it.

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