Self-Employed Couples

Running a business together and staying married: roles, money, decisions and leaving work at the door.

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

Do's & Don'ts: Husbands Do's & Don'ts: Wives Do's & Don'ts: Business Owners

Fixed, Adjustable, FHA, VA and Conventional Loans Side by Side

Five loan types, what each one actually costs you per month, and the fine print that bites buyers who only shopped the rate.

GuideTradesRay Okonkwo23 Sept 20266 min

Licensing, Insurance and Your First Ten Customers

You can be running your own trade business a year from now. The order you do things in decides whether you make money or just make noise.

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What should I wear to this?

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GuideRetirementRay Okonkwo23 Sept 20266 min

How to cover health insurance if you retire before 65

COBRA, the marketplace, a spouse's plan or part-time work, plus the income lever most early retirees don't know they're holding.

Ivermectin.com — Tracked USPS delivery, no clinic visit

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Real Estate6 min read

How to win a bidding war without waiving your inspection

Sellers pick offers on certainty, not on how much protection you gave away. Here's how to look like the safe bet and still keep your outs.

Poll

How often do you see your closest friends?

GuideSide HustlesRay Okonkwo23 Sept 20266 min

What to Charge for Saturday Handyman Work

The license threshold, the insurance nobody skips twice, and the hourly math that tells you whether giving up Saturday is worth it.

GuideRetirementRay Okonkwo23 Sept 20266 min

Medicare Advantage or Medigap and How to Actually Decide

One choice at 65 is easy to make and hard to undo. Know how the two paths differ before the mailers start piling up in your driveway.

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

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GuideReal EstateRay Okonkwo23 Sept 20266 min

Closing Costs Line by Line, and Which Ones You Can Haggle

Page 2 of your Loan Estimate is where a few thousand dollars quietly changes hands. Learn to read it, and you'll get some of that money back.

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Is your money actually in order?

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

GuideSide HustlesRay Okonkwo23 Sept 20266 min

What eBay and Facebook Marketplace Actually Pay After Fees

A drill kit that sold for $120 put $71 in my pocket. Run the same math before you list, and know which things aren't worth the box.

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Medicare Parts A, B, C and D Without the Alphabet Soup

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Rewrite my CV so it actually gets read

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GuideReal EstateRay Okonkwo23 Sept 20266 min

What Moves Mortgage Rates And What You Can Actually Control

The Fed doesn't set your mortgage rate. Your loan file does most of the work, and you can move most of that before you ever lock.

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GuideSide HustlesSam Ortiz23 Sept 20266 min

Tutoring After Work Pays Well If You Pick the Right Subject

Algebra II and chemistry pay double what general homework help pays, and the families who need them are all standing in the same three places.

Poll

How many days a week are you actually training?

GuideRetirementRay Okonkwo23 Sept 20266 min

Retiring Early And The Bridge Years Nobody Plans For

Leaving work at 55 means a decade before Medicare and years before you can touch an IRA without a penalty. That gap is the whole job.

GuideReal EstateRay Okonkwo23 Sept 20265 min

Run The Rent Versus Buy Math For Your Own Town

Most rent-versus-buy advice is a slogan. Get these six numbers off your own street and the answer stops being a guess.

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

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GuideSide HustlesRay Okonkwo23 Sept 20267 min

Weekend Pressure Washing and What It Actually Pays

The machine spec that matters, how to set a price that isn't a donation, and the ten customers that decide whether this works.

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Does your wardrobe actually fit you?

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

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The Home Inspection Is Your Last Cheap Exit

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Give me something to do with my kids this weekend

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GuideTradesAde Fisher23 Sept 20266 min

From the Tools to Foreman to Owner Without Going Broke

The skills that make you the best hand on the crew aren't the skills that run one. What actually changes at each jump, and what it costs you.

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

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Retirement6 min read

How to decide whether your next dollar goes Roth or traditional

One question settles most of it, and almost everybody gets the math backwards the first time they try.

Poll

Where does your phone charge overnight?

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