Mini Thoughts

Disclosure: This site contains affiliate links. If you click and sign up, I may receive a commission at no extra cost to you. I only recommend tools that add value to the ‘Snowball’ journey.

Welcome to My Financial Independence Journey

Newest Article

  • Is $12/hr Enough? How to Master the 2026 Vegas Economy Without the Fear

    Can you actually survive in Las Vegas on $12 an hour? Following an X argument with an ex-Denverite, I’m breaking down the “McDonald’s Standard” in Nevada. From 0% state income tax to the $1,000 studio apartment reality, we crunch the numbers on taxes, transit, and the 401k Saver’s Credit cliff to see if a Vegas…

    Get the full breakdown.

Just Starting? Check out these articles:

01

Talk Like An Investor:

Investing is a different language—if you don’t know the lingo, the math sounds like noise. From the “4% Rule” to mastering your “Investment Policy Statement,” here is the foundational glossary I use to keep the Snowball rolling.

[ Get the full breakdown → ]

02

What This Blog is About:

Can you turn a $14,000 baseline into $1,000 a month in passive income? This is the blueprint of the Snowball Experiment, detailing the specific monthly-paying funds I’m using to build a self-funding investment engine.

[ Get the full breakdown → ]

03

Debt and How to Tackle It:

Before you can grow a portfolio, you have to stop the bleeding. I’m breaking down the math between the Debt Snowball and the Debt Avalanche—and why a little Stoicism is required to stop the interest from eating your future gains.

[ Get the full breakdown → ]

04

Retirement; My IPS in Action:

Transparency is key. Here is the $512,000 “safety net” behind the Snowball Experiment—including my 401k, IRAs, and HSA. This is the diversified foundation that allows me to play the long game with Stoic confidence.

[ Get the full breakdown → ]

05

What the Hell is an IRA?

Is a Roth better than a Traditional? I’m demystifying the IRA “buckets”—breaking down the tax advantages, contribution limits, and the real-world math of how a few dollars a day can grow into a million-dollar safety net.

[ Get the full breakdown → ]

Get Mini-Updates

I’ll email you every time I make an update.

By submitting your information, you’re giving us permission to email you. You may unsubscribe at any time.