The journal
Notes on net worth, tax planning as a practice rather than an event, and what privacy actually means in a financial product.
August 1, 2026 · 4 min read
Tax planning as an ongoing state, not an annual panic
Most people meet their tax picture once a year, in April, after every decision that mattered has already been made. That’s backwards.
August 8, 2026 · 5 min read
Zero-retention, not zero-knowledge — what that distinction actually means
Two different privacy promises get used interchangeably in fintech marketing. They are not the same promise, and the difference is the whole point.
August 13, 2026 · 4 min read
Why net worth is the only number that matters
Budgets tell you what you spent. Net worth tells you whether any of it mattered.
August 17, 2026 · 4 min read
Built for households with real complexity
Most personal finance software is built for one person with one bank account. Most households aren’t that.