smobyday

BUILD
FINANCIALLITERACY

FINANCE/AI/TECH,
made easy.

I'm a 9-5 engineer who fully believes in wearing face masks while checking her investments, doing her press-on nails while watching an AI Agent tutorial, contributing to her Roth IRA and making it to Friday dirty martini night.

Think of this website as my makeup bag with all my favorite financial, crypto, AI, and tech tips that I've learned to build real wealth. And now, my makeup bag, is yours.

30 DAYS TO
Finance MAXXING

Stop letting your paycheck control you. Over 30 days I walk you through building real financial systems into your life, step by step, covering budgeting, investing, credit, and AI tools that automate the boring parts. You'll finish with a full money setup that actually runs itself, and you keep everything for life.

Enrollment opening soon

Finance

Financial Literacy

Real answers about your money. No finance bro required.

How to Get Started with ChatGPT Work

Chat gets you answers. Work gets you the actual thing — decks, spreadsheets, recurring reports, finished files. Here's how to start.

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15 Days of PTO Can Become 31 Days Off in 2027

The 2027 holiday calendar is stacked. Here's every window, exact dates, and a 15-day masterplan that gets you 31 days off.

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5 Accounts to Open Before You Invest a Dollar

The exact accounts you need set up first — and why the order actually matters for building wealth.

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ETFs Explained: VOO, FXAIX, and Where to Actually Start

What an ETF is, why VOO and FXAIX are everyone's starting point, and the prompt I use to research any ETF.

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How to Budget a $1,200 Bi-Weekly Paycheck in Your 20s

Young professional edition — how to split a real paycheck between bills, investing, and actually living your life.

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Backdoor Roth IRA on Fidelity: Step by Step

A few clicks, a couple accounts, and you're on your way to tax-free growth. I break down exactly how I did it.

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Dollar Cost Averaging: Set It, Forget It, Build Wealth

Auto-recurring investments are my #1 wealth-building move. Here's the prompt to set yours up the right way.

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Is the Amex Platinum $895 Fee Actually Worth It?

If you use the perks, yes. If you don't, no. Here's the math — plus a prompt to figure out if it's worth it for you.

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Index Fund vs ETF: They're Not the Same Thing

Finance bros love to confuse you on this. They're close — but not identical. Here's the actual difference in plain English.

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What Even Is a Stock? Breaking Down the Absolute Basics

Before you buy one, you need to actually understand what it is. This is the quick breakdown the guide worth having day one.

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Get Started with ChatGPT Work

Chat answers. Work delivers. Here's the difference and how to use it.

15 PTO Days → 31 Days Off in 2027

Every stack, exact dates, and a 15-day masterplan.

5 Accounts to Open Before You Invest

The accounts you need set up first — and why order matters.

ETFs: VOO, FXAIX, Where to Start

What an ETF is and why these two are everyone's first pick.

Budget a $1,200 Bi-Weekly Paycheck

Split it between bills, investing, and actually living your life.

Backdoor Roth IRA: Step by Step

A few clicks on Fidelity and you're set up for tax-free growth.

See all finance guides →

Travel

Travel easier with AI

From hyper-specific itineraries to real-time exploration — AI changes how you plan, navigate, and experience every trip.

Credit Cards

Make your credit card pay you back

The right card strategy can put thousands back in your pocket every year. Here's how to actually use your rewards, not just earn them.

Crypto

Crypto without the chaos

Cut through the hype. Understand what's actually happening in crypto markets — and use AI to help you navigate it.