The Omni-Post

All the Money IRL posts are organized here.

Jan 20, 2025

Hey everyone! All the Money IRL posts are organized here. My goal is to create a beginner-friendly and practical guide to personal finance, with a focus on evidence-based investing (and cat photos). There are endless resources with good advice, saying things like “invest in index funds”, “save for retirement”, or “buy life insurance to protect your loved ones”. But once you finish reading a book or blog post and start doing all that, you quickly encounter details and small decisions that no one told you about. Most guides are a bird’s-eye view: they’re not written for real life. I hope to provide just enough detail to help you be confident applying your knowledge IRL.

In bite-sized posts, we’ll cover:

The investments available to you as well as their risks and possible returns.
The psychological challenges of investing and how to navigate them.
How to use different types of accounts, like retirement accounts.
Taxes (sorry).
Other aspects of personal finance like paying debt, housing, money in relationships, saving and budgeting, insurance, fraud prevention, estate planning, and financial independence/retirement.

The posts in this guide are hyperlinked to each other, to show how all these topics relate and help readers learn more. Each post also links to helpful external resources.

I live in the United States, so US residents are my main target audience. I would write for the whole world if I could, but my discussion of some topics (taxes in particular) won’t always apply elsewhere.

The list of posts is growing every week! Feel free to suggest new topics by commenting on a post or messaging me on Substack. Or send me pet photos to be included in future posts (any type of pet!). Email: bright.tulip711@simplelogin.com

Paid subscribers get top priority with questions and post requests. I appreciate every paid subscriber so much, it makes me feel great that you find my writing valuable enough to support.