Long-form thinking on the specific money decisions real families face. One new essay each week. The archive is built deliberately to reinforce itself.
The kind of thinking that actually changes how you handle money — not the dopamine cycle of hot-take takes.
The reset isn’t about cutting back. It’s about deciding which buckets get fed in which order, and committing. Twelve minutes; the most important essay on this site.
Every essay below stands alone — but they’re written to reinforce each other. Read in order or by category.
The reset isn’t about cutting back. It’s about deciding which buckets get fed in which order, and committing.
Standard financial advice assumes a dual-income, public-school household. Most of it doesn’t translate.
How to fund all three without robbing any of them. The framework behind every blueprint I build.
Co-op fees aren’t deductible. But there are real tax wins specific to your situation — just in different places than you think.
The spousal IRA most families don’t know about. The contribution limits that aren’t what you think. The Backdoor that probably isn’t for you.
A biblical framework for saving. Why the distinction matters — and why generosity and saving aren’t opposed.
Education vehicles for big families. Different children, different paths, different vehicles. How to pick which goes where.
The 5-account system. Simple, durable, and built to survive the inevitable curveballs.
Companion videos to the cornerstone essays. Same content, different medium — sometimes it helps to hear it.
Workshops at churches, community groups, and conventions — including homeschool co-ops. Speaking invitations welcome. The conversation is always better in a room together.
A 90-minute workshop on cash flow, education funding, and the three-bucket framework. Hosted by Blue Ridge Homeschool Co-op.
Reserve a seat →A live 60-minute session with live Q&A. Free; recording sent to all registrants.
Register →I love speaking to community groups, co-ops, and conferences about money, budgeting, and cash flow. If your audience would benefit, send a note.
Invite Steve to speak →Built to be used on your own. Built to be useful even if you never become a client.
Fillable PDF. Walks you through the 5-account system on a single page. No email required.
Download free →Interactive: enter your income, your savings rate, your education goals — see which bucket needs attention most. (Launching Q4 2026)
In development →The essays will get you 80% of the way to clarity. The discovery call finishes the work for your specific situation.