About

I left a 17-year career to find out what the money was for.

In 2022 I walked away from a job I'd held for seventeen years. The work had stopped growing me; it no longer matched what I cared about. We moved the family to Portugal — closer to grandparents in Lisbon, a lower cost of living, my spouse working west-coast US hours from across an ocean. We have two young kids, and I chose to stay home during their early years rather than hand over roughly $50,000 a year, after tax, to childcare.

That single trade is what made me look at the whole path. Not the budget — the path.

The one idea this is built on

Money and time are the same currency in two denominations — and most people spend both on autopilot. When you're young you're time-rich and money-poor; later, the ratio flips. Most decisions get clearer the moment you see where you are on that curve.

Standard personal-finance content is good at how: how to budget, how to save, how to optimize. It's quiet on why — and optimizing a machine you can't name the destination for is just a faster way to arrive nowhere. Breaking Free is the why. The how is in service of it.

What you'll get

Two letters a week, meant to be read as a pair. Tuesday is Foundation — the practical machinery, real numbers, useful on its own. Friday is Philosophy — the harder questions about meaning, values, and time. No hype. No emoji. No “Happy saving!” Just a sharper lens, from someone who's been through the door and is still figuring out the room on the other side.

The number was never the goal. It's the vehicle.

Breaking Free is educational and reflects personal experience. It isn't personalized financial, tax, or investment advice. Tax figures and contribution limits change every year — verify current numbers, and talk to a professional about your own situation.