Business

Sell better, hire better, lead better. The operating manual for running something real.

The BRO Code. What to do, what not to do, and a few laughs on the way.

Where Flip Profit Actually Comes From and Where It Vanishes

You don't make money on a flip with paint colors. You make it on the buy, the calendar and the exit, and you lose it in the six costs nobody counts.

GuideRetirementRay Okonkwo23 Sept 20266 min

What Part-Time Work Does to Your Social Security Check

The earnings test isn't a penalty, the money comes back, and the real traps are hiding in Medicare and your HSA.

Ask BRO

Rehearse the raise conversation with me

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GuideSide HustlesRay Okonkwo23 Sept 20266 min

When a Side Hustle Should Become a Business and When It Shouldn't

Four signals that it's time to go legitimate, the numbers that decide it, and the honest case for leaving a good hustle exactly as it is.

Delicious.com — Nine thousand recipes and a plan for tonight

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Real Estate6 min read

The Deposit Fight You Win Before The Tenant Moves In

A lease, a deposit ledger and two walkthroughs done right will settle almost every argument you'll ever have with a tenant.

Poll

Where does your best time with your kids happen?

GuideRetirementRay Okonkwo23 Sept 20265 min

Which Retirement Account To Spend From First

Taxable, then traditional, then Roth is the standard answer. It's a fine starting point and it's wrong often enough that you should know why.

GuideSide HustlesRay Okonkwo23 Sept 20266 min

Putting Your Kids to Work in a Family Side Business

The real hours, the real margin, the payroll rules for hiring your own kids, and the point where it stops being worth it.

Names.com — The name is the first thing you sell

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GuideReal EstateRay Okonkwo23 Sept 20266 min

The Repairs Worth Making Before You Sell, And The Ones That Aren't

A new roof can move a sale. A new kitchen usually just moves your money. How to spend the last dollar before listing.

Quiz

Does your wardrobe actually fit you?

Five questions, honestly answered, and a plan for the next fortnight.

GuideRetirementRay Okonkwo23 Sept 20266 min

What to Check Before You Retire to a Small Town

The view sells the house. The hospital, the well, the tax bill and the internet decide whether you stay.

GuideSide HustlesRay Okonkwo23 Sept 20266 min

How To Price Side Work So You're Not Making Five Dollars An Hour

Most side hustles don't fail on demand. They fail on arithmetic. Run these numbers before you send the next quote.

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Rehearse the raise conversation with me

Ask it

GuideReal EstateRay Okonkwo23 Sept 20266 min

How to Buy and Sell a House at the Same Time Without Owning Two

The double-close is a scheduling problem with money attached. Contingencies, rent-backs, bridge loans, and what breaks at 3 p.m. on closing day.

CancerDefying.com — The research, protocols and reading in one place

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GuideRetirementRay Okonkwo23 Sept 20265 min

Pension Choices, Lump Sum or Monthly Check

The election form takes ten minutes to sign and you can never take it back. Slow down and run the numbers with your wife at the table.

Poll

What was your first ever job?

GuideSide HustlesWes Dunbar23 Sept 20266 min

What a Cord of Firewood Actually Pays

Real hours, real startup cost, and the cash-flow trap nobody mentions before you buy the splitter.

GuideReal EstateRay Okonkwo23 Sept 20266 min

House hacking a duplex when your tenant shares your wall

Live in one side, rent the other, and let the loan do some of the work — plus the documents, the fees and the arguments nobody warns you about.

Coconut.com — Tell us when. We find where the sun is.

PartnerCoconut.com

GuideRetirementRay Okonkwo23 Sept 20266 min

How to pick a low-tax retirement state without getting burned

No income tax sounds great until the property bill and the homeowners premium show up. A plain-English way to compare states before you move.

Quiz

Is your money actually in order?

Six questions. No email required, no sales pitch at the end.

Side Hustles6 min

The Teen Side Hustles Worth Your Kid's Saturday

$The Math Your First Rental House Has To Pass$

Real Estate6 min

The Math Your First Rental House Has To Pass

Ask BRO

Rehearse the raise conversation with me

Ask it

GuideRetirementRay Okonkwo23 Sept 20265 min

Downsizing Sounds Like Free Money Until You Run the Numbers

Selling the family house rarely frees up as much cash as the kitchen-table math suggests. Do it anyway if the numbers work, but do the real numbers first.

Ivermectin.com — Tracked USPS delivery, no clinic visit

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Side Hustles6 min read

Your Driveway Detailing Business Starts With Two Buckets

The kit worth buying, the hours a full detail really takes, and the customer who pays you every six weeks without being asked.

Poll

How often do you see your closest friends?

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