Finance

Personal finance through the lens of someone who thinks in spreadsheets. Credit card math, FIRE strategy, ROI analysis, and the second-order effects nobody runs the numbers on.

All Finance AI

Finance March 22, 2026

The Amex Platinum at $895: How I Net $2,300 a Year (2026)

Is the $895 Amex Platinum worth it in 2026? A data-backed ROI analysis on how to turn this fee into a $2,300 profit using lifestyle and travel credits.

8 min read

credit-cards lifestyle data

Finance March 5, 2026

FIRE Without a High Salary: The Three Habits That Compound

Financial independence comes from three habits, not a high salary. Earn more, save more, invest more. Each one is useless without the other two.

6 min read

fire financial-independence basics