About The Wealth Habit

I advised households on their money for thirty years.

Nearly all of that work was about building a balance. Save more. Hold the course. Don't touch it when the market moves. That advice is sound, it is widely available, and I have nothing to add to it.

Then clients stopped saving and started spending, and I found the profession had very little to say to them. Which account to draw from first, and in what order. What a Roth conversion does to a Medicare premium two years later. When to claim, and what it costs to be wrong. These are not smaller questions than the accumulation ones. They are harder, they are more consequential, and unlike a bad savings year, most of them have no undo button.

That gap is what this publication is for.

What arrives

The site publishes five mornings a week. All of those issues also go out by email.

Every issue carries a short read on what actually moved — rule changes, rate decisions, enrollment windows, tax thresholds — at whatever length the week warrants. And every issue carries one item called Today's Habit: a single decision, check, or calculation you can finish in a few minutes. Not a principle to reflect on. Something to do, and then be done with.

What this is not

Nothing here is personalized advice. I don't know your balances, your tax situation, your health, or your spouse's earnings record, and any of those can reverse the right answer to a question I've written about generally. What this publication can do is tell you which questions apply to you and what the mechanics are. What it cannot do is tell you what to do. For that you need someone who has read your actual documents.