Hey Reader, We’ve got a good one for you this week. On YouTube, Nick’s taking on the “average net worth by age” comparison trap. 😳 And here in the newsletter, we’re sharing a simple 1% rule that can reshape your budget — without the dramatic overhaul. Let’s get into it. 🎥 What's New Average Net Worth By Age (2026 Edition) 💲 Money Minute - From Nick One of the biggest mistakes people make when they decide to “get serious” about money is building a budget they can’t sustain. I’m talking: 150+...
22 days ago • 2 min read
Hey Reader, Thanks for being here! Nick’s sharing his favorite retirement planning tool on YouTube — and we’re talking about what to do when progress just feels like dirt. Let’s dig in. 🎥 What's New Stop Guessing What You Can Afford — Know For Sure 💲 Money Minute - From Nick One of my favorite memes is the miner who turns around just inches before hitting diamonds. You’ve probably seen it — It’s the perfect picture of what budgeting often feels like. Day after day, week after week, you’re...
29 days ago • 2 min read
Hey Reader, Thanks for joining us! This week we've got a new YouTube video, a practical credit score tip, and a minty-fresh money story that might change how you think about expectations. Hope you enjoy! 🎥 What's New How To Decide: Debt vs Savings vs Investing(A Simple System) 💲 Money Minute - From Nick Today I want to share a simple, practical credit score tip. You’ve probably heard that canceling credit cards can hurt your credit score. That’s because 15% of your score comes from the length...
about 1 month ago • 4 min read
Hey Reader, Thanks for sharing a little bit of your time with us. Here are a few things we've been thinking on lately. 🎥 What's New 7 Simple Habits That Instantly Improved My Budget 💲 Money Minute - From Nick One of the most overlooked parts of budgeting isn’t tracking your data, it’s reviewing it. I see plenty of people who stay on top of their budget day-to-day and use it to make decisions… but rarely sit down to analyze what their data has to tell them. These people use a budget for years,...
about 1 month ago • 2 min read
Hey Reader, Thanks for sharing your time with us. We hope this brings a fresh perspective — and a bit of renewed energy for your budget this week. 🎥 What's New How to Reconcile in YNAB (Without Losing Your Mind) 💲 Money Minute - From Nick Every week, I help between 25 and 30 individual clients with their budget strategy. And I'm almost always trying to help them answer one simple question: Are you stuck on the what… or the how? Here’s what I mean. To make progress in your finances (or really,...
about 2 months ago • 3 min read
Hey Reader, Our steady plodding continues on YouTube. We've got a new video for you. Plus, a bit of encouragement for your money journey. 🎥 What's New I Reviewed 674 YNAB Budgets — Here’s What I Found ⚓︎ Craft Your Money Story - From Hanna "The way to help someone is not to critique what makes them smaller, but to encourage what makes them larger." -James Clear I often joke that I have every woman's dream job... Critiquing my husband. 😛 When I first accepted my position as Chief of Critique...
about 2 months ago • 2 min read
Hey Reader, We're so excited for 2026! We moved into an 80-year-old house about six months ago, and we're slowly taming the chaos around us. Our recording studio is (mostly) set up, and Lord willing, weekly videos are the new norm. So let's get into it! 🎥 What's New The Hidden Reason Your Budget Never Works (And How To Fix It) 💲 Money Minute - From Nick Most people have heard of Return On Investment (ROI). But there’s another metric that matters just as much:Return on Hassle (ROH). If you've...
2 months ago • 3 min read
Hey Reader, Happy Saturday! We hope this email finds you well, enjoying a nice cup of your favorite hot beverage while tidying up your budget for this brand new month. Well, that's my perfect Saturday morning activity, at least. :) We've got 1 podcast, 1 book, and some thoughts on re-writing your vision to share with you today. Let's get into it... 💲 Money Minute - From Nick One of the most important skills for managing money is the art and science of decision-making. We're presented with...
11 months ago • 2 min read
Hey Reader, We hope you're having a great weekend! It's a bit of a dreary, overcast one for us. If you're in the same boat, here are some money thoughts to keep you entertained while you enjoy the rain. ☔️ 💲 Money Minute 👋 Nick here. The hallmark phrase I hear clients use before shooting themselves in the foot is, "It's a once-in-a-lifetime opportunity." These words make my ears perk up. And I settle in to listen to my client try to justify spending that they know (deep down) isn't aligned...
12 months ago • 3 min read