Money problems, named and solved
Short essays about the stuff that actually keeps people up. No jargon, no lectures, and every one ends with a free tool you can use tonight.
How to ask a client for money without torching the relationship
Three messages that collect politely, in escalating firmness, with the exact words. Plus the timing rule most freelancers get wrong.
July 6, 2026 · 6 min read
The 2am rent math, and why your bank balance keeps lying to you
The mental spreadsheet you run at night has a bug. Your balance looks fine because it doesn't know what the 7th is about to take from it.
July 6, 2026 · 5 min read
What a payday loan actually charges. The number isn't printed anywhere.
A $400 loan with a $60 fee sounds like 15 percent. Annualized, it's nearly 400. Here's the math and the cheapest way out of the cycle.
July 6, 2026 · 5 min read