Buy the Dip—But Only If You Have a Deployment System
Part 5 of the Rational Compounding Framework March 2020. The S&P 500 drops 34% in 23 days. I watched people react in three ways: Group 1: Panic-sold everything. “It’s going…
The RSU Trap: When Employer Stock Becomes a Hidden Liability
A Google employee had $1.2M net worth—65% in company stock. "But Google's stable," he said. I asked what Meta did in 2022: $380 to $88 (-77%). If he'd held Meta instead, $780K would've become $179K. This is RSU concentration risk. One company. All your eggs. Here's the 20% Rule.
Why High Earners Still Fail to Build Wealth
Part 3 of the Rational Compounding Framework There’s a specific type of broke that doesn’t look broke. Last month I saw a thread on Blind where a $350K Meta engineer…
The 3 Engines of Wealth: Income, Investment, and Optionality
Part 2 of the Rational Compounding Framework I know a guy who made $400K last year. He lives paycheck to paycheck. I know another person who makes $120K. She has $800K…
Delete Yourself from the Internet 2026: Why Privacy is Now a Strategy
In 2026, your data isn't just being hacked—it's being sold as inventory. Learn how to use California's new DROP system and manual opt-outs to reclaim your digital footprint today.
Smart Home Privacy Risks in 2026: What Your Devices Are Really Collecting
The device sitting on your kitchen counter right now — the one you bought to set timers and play music — collected audio snippets of your home today even though…
The Math of Wealth: Why Compounding Rewards the Disciplined (Not the Lucky)
Someone at every holiday party mentions their portfolio is up 47%. They bought NVIDIA at the right time or rode crypto. Here's what that conversation doesn't include: the other nine years. Luck makes good stories. Discipline makes wealth. This is the foundational truth of compounding: A = P(1 + r)^t.
The Rational Compounding Framework: A Systematic Approach to Wealth
Wealth isn't built through random tactics—cut lattes, max your 401k, buy index funds. It's built through a framework where income, investment, and optionality work together systematically. This is that framework: 10 parts covering everything from compounding math to the $5 million inflection point. Discipline beats luck.
