BUILD
FINANCIALLITERACY

by @smobyday
smobyday

These topics aren't complicated. They've just been explained to you in a way that's meant to keep you down. Let's get your money up.

Finance

Financial Literacy

Real answers about your money. No finance bro required.

Investing
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
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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Budgeting
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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Roth IRA
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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Investing
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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Credit Cards
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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Investing
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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Stocks
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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See All →
Investing
5 Accounts to Open Before You Invest
The accounts you need set up first — and why order matters.
ETFs
ETFs: VOO, FXAIX, Where to Start
What an ETF is and why these two are everyone's first pick.
Budgeting
Budget a $1,200 Bi-Weekly Paycheck
Split it between bills, investing, and actually living your life.
Roth IRA
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.

Newsletter

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