Writing

A Vermont gas station attendant who held his jacket together with safety pins, drove an old second-hand car, and died with one of the most quietly remarkable personal investing stories in modern America. The numbers, the crashes he didn't sell into, and an honest look at what made it possible.

A note on compound interest, market timing, and the boring path most people underestimate. The JP Morgan missed-days finding, a 36-year S&P 500 chart, and the inflection year where compounding overtakes contributions.

A note on the consumer-fintech model, from someone who watched it happen. Mint, Yolt, Moneyhub, Trim, Tally — the pattern, the structural reason, and the third path most people forgot existed.