My Blueprint
Everything I write — in Wealth Your Way and across this Substack — rests on one core foundation, expressed through a small set of practical frameworks.
Pour a solid foundation first. Then build systems on top that make daily living easier. Money works the same way.
Think of it like building a house.
The foundation holds up the walls, and the walls support the roof. If you start with the roof, you’re just decorating rubble.
This page is the architectural blueprint for my work. If you understand this foundation and these frameworks, you’ll see how I think about money, not just what I recommend.
🧱 The Foundation
Financial independence is the goal.
Not beating the market. Not picking the right stock. Not chasing the latest strategy.
Financial independence means having enough wealth that your future financial needs are met without relying on your labor. It’s freedom of time, attention, and choice.
Everything else is just a tool in service of that goal.
Saving matters. Investing matters. Taxes matter. But none of them matter on their own. Their value is measured only by how they move you closer to (or farther from) financial independence.
This is the foundation. Everything else builds on it.
🛠️ Decision Frameworks
These are the repeatable mental models I use — and teach — to turn the foundation into action.
They are deliberately simple. Not because money is trivial, but because complexity is usually where good plans go to die.
These frameworks describe how a sound financial plan is built. Most of my writing focuses on what happens when people unknowingly violate them—what I call Framing Errors. These errors show up repeatedly in my writing and in real-world decisions, and each one traces back to the same Blueprint principles.
🎯 Goals‑First Planning for Life’s Complete Financial Arc
Start with what you want your money to do, not what the market might do.
Goals come first. Numbers come second. Investments come last.
Reverse the order, and you’ll be busy, but not necessarily better off.
🔁 Process Over Prediction
Long‑term success doesn’t come from forecasts. It comes from repeatable decisions.
Markets will surprise you. Always have. Always will.
A durable process beats a brilliant prediction every time.
🧠 Behavior Beats Math
Perfect spreadsheets don’t matter if emotions hijack your decisions.
Most financial mistakes aren’t analytical. They’re behavioral.
The real edge is emotional discipline when things get uncomfortable.
⚖️ Risk Is Personal, Not Abstract
Risk isn’t volatility. Risk isn’t headlines.
Risk is failing to meet your goals.
Two people with identical portfolios can experience very different risks depending on their timeline, flexibility, and purpose.
🔄 PCR: Plan → Course‑Correct → Repeat
Thoughtful planning upfront allows you to do less, not more, over time.
No plan survives contact with real life. That’s fine.
The goal isn’t perfection. It’s adaptability.
Plan. Adjust. Keep going.
🧭 How to Use This Page
New here? Start with understanding the foundation.
Long-time reader? Use the frameworks as a lens. You’ll notice them embedded—sometimes explicitly, sometimes quietly—throughout my book and in nearly every article I write.
This is the thinking beneath the writing. Internalize it, and day-to-day money decisions get much simpler even when the world doesn’t.