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The Occasional Letter.

Practical lessons from building a small business, improving my finances, reading, and living more intentionally.

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Earn. Learn. Live.

Building Financial Freedom,
One Step at a Time.

I'm documenting my journey from a small card-flipping business to becoming debt-free, building savings, and investing for the future. Along the way, I'm sharing what works, what doesn't, and the tools I use.

Current project

A small business.
A useful place to start.

I'm growing an eBay business selling sports and Pokémon cards, beginning with cards I already own. The goal is to learn what actually remains after fees, shipping, and the cost of inventory.

Read about the experiment →

My financial journey

One step before the next.

01 · Pay off consumer debt
Build better habits and make steady progress.

02 · Build a three-month emergency fund
Create a buffer for the unexpected.

03 · Invest for the future
Learn about long-term investing, including dividend-paying stocks.

A direction I'm working toward—not a list of completed milestones.

View my starting point & debt progress →

Free tool

Before you buy.
Run the numbers.

Estimate a card flip's profit after purchase costs, selling fees, shipping, grading, and other expenses.

Open the calculator

Free to use. No signup required.

Excel download / $19

Card Reseller Inventory & Profit Tracker

A place to connect your inventory, sales, fees, and expenses—and see the difference between revenue and profit.

Explore the workbook →

Latest from the journal

Notes from the work.