This is a series about money, written for people young enough to still get the full head start. High schoolers, college students, recent grads. If that's you: hi. Everyone here is weirdly excited for you.

The whole thing rests on one idea. Habits plus time beat income. You don't need a big salary, a hot stock tip, or a personality transplant. You need to stay a little bit broke a little bit longer than everyone else, put the difference somewhere boring, and let time do the part you can't.

The plan is for this to become a short book someday, the kind you hand a graduate instead of a card with $50 in it. For now it's free, and it publishes here one essay at a time. Start at the top.

  1. Money Is Not the Goal. Freedom Is. (publishes July 7)
  2. The Default Life Script Is Expensive (publishes July 14)
  3. Live Like a Broke Student a Little Longer (publishes July 21)
  4. Debt Is a Freedom Problem (publishes July 28)
  5. Investing Early Is Basically Cheating (publishes August 4)
  6. What's the Money For? (publishes August 11)

Links go live as each one publishes.