Goals
Latest Writing
Outgrowing the Way You Used to Think About Money
The slow moment when something stops fitting Some ideas about money do not leave in a dramatic way.They stay. They...
When Money Stops Feeling Like Freedom
Money gets called “freedom” all the time. Not in a spreadsheet kind of way. More like a feeling. If I...
How Your Relationship With Money Changes Over Time
Money does not improve in a clean emotional arc.And it does not stay consistent simply because circumstances do. There is...
Why Knowing What To Do With Money Isn’t Enough
Most of us already know what we are supposed to do with money. Save more.Spend less.Plan ahead.Invest early.Avoid unnecessary debt....
Why We Delay Financial Decisions (Even When We Know Better)
There is a particular kind of financial task that stays unfinished for months. I have a few of those myself....
Why Financial “Stability” Never Quite Feels Stable
There is a quiet promise many of us make to ourselves about money. Once I reach that number, things will...
Smart With Cents is a place for thoughtful writing about money and everyday life.
We explore how finances actually feel, not just how they are supposed to work.
No shortcuts. No hype. Just clarity, context, and calm.