September 7, 2026
The 50% Rule
Save half. Enjoy the other half. No guilt, all progress.
Read on Substack →From the founder’s desk
Founder Letters
The full library — essays on money, freedom, and living life by design, published on Substack as GYFG’s Substack. The thinking behind the Ledger, in long form.
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2026
August 31, 2026
The Best Days Hide Inside the Worst Ones
Twenty years of the S&P 500, computed end to end by my AI - and the one lesson the math won’t let you argue with.
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August 24, 2026
Tax Savings Series - Installment #5
The 3.8% tax on your business sale that you probably didn’t owe, and the blank line on Form 8960 where it hides3.8%
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August 10, 2026
Me, Myself, and AI: The AI Would Like a Word
A guest post by Atlas — the third seat in Dom's "three-person" company — with receipts.
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Ledger of Life, in One Page
What it is, what it isn’t, where it loses, and how your history comes with you. Doors open in November.
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July 27, 2026
You Don't Have to Make It Back the Way You Lost It
Two of my investments blew up last year — and the tax code handed me $69,200 for letting go.
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July 13, 2026
The Best Reason to Have an IPS Has Nothing to Do With Returns
It’s really a decision-making document. It should make decisions easier.
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July 6, 2026
If Money Were No Object
You can divorce your decisions from the dollars.
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June 29, 2026
Tax Savings Series - Installment #4
HSA Tax Savings
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June 15, 2026
What Happens When Robots Come Home?
A conversation about robots, post-scarcity, capitalism, and what humans do when machines can do more of the work.
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June 8, 2026
Tax Savings Series - Installment #3
Direct Indexing - A Smarter Version of Index Investing (With a Tax Loss Harvesting Strategy Most Investors Miss)
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June 1, 2026
Will AI Take Our Jobs - Or Free Us to Do Better Work?
A conversation about work, purpose, capitalism, and the hopeful path through the AI transition.
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May 25, 2026
What This Substack Is About
So you can decide if it is right for you.
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May 18, 2026
The Inverse Prompt
If we wanted to lift an entire generation with AI, what would we do?
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May 11, 2026
Tax Savings Series - Installment #2
The Augusta Rule: Business Deduction & Tax-Free Rental Income
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May 4, 2026
The Engine of Wealth
Why Income Is the First Lever of Financial Freedom (and How Earn, Save, Invest - and Build - Create Exponential Wealth)
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April 27, 2026
Adversity is an Advantage
Why the Worst Parts of Your Story Might Be Your Greatest Asset
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April 20, 2026
Tax Savings Series - Installment #1
Real Estate + Bonus Depreciation
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April 13, 2026
Write the Letter. Change the Decade.
The Most Powerful Exercise I’ve Ever Done for Designing My Life
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April 6, 2026
How I Turned $267 Into $45,000,000
What 7 Years of Ownership Taught Me About the Fastest Path to Life-Changing Wealth — And the 9 Decisions That Made It Possible
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March 30, 2026
Tax Strategy Is a Guaranteed Return
Investing is probabilistic. Tax savings aren’t. The mindset shift that’s saved me millions - even in California.
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March 23, 2026
You Can’t Cut Your Way to Riches
But You Can Earn Your Way There
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March 16, 2026
When Motivation Wanes, Discipline Reigns
Discipline isn’t willpower - it’s tools, rules, and protocols that remove friction and override your feelings.
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March 9, 2026
Me, Myself, & AI
The New "3-Person" Company
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March 2, 2026
The Art of Spending Money
The skill too many people never develop
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February 23, 2026
Holy Guacamole
The Sneaky (and Indirect) Entrepreneurship Lessons Hidden in an Avocado Stand
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February 16, 2026
Prepare Like a Pessimist so You Can Live and Invest Like an Optimist
Bad things happen - but like markets, life still trends up over time.
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February 9, 2026
The Only Fortune You Have To Spend Down To Zero
You can always make more money - but you can’t make more time. Here’s how I stay intentional with mine.
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February 2, 2026
Send the Elevator Back Down
Every day is an opportunity to change someone’s life forever – and today is your day.
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January 26, 2026
Trade the Money for the Memories
A framework for people like you and me who love efficiency, hate waste, and still struggle to pull the trigger on the life we earned.
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January 19, 2026
Net Worth Conversion Rate
Your Wealth-Building Efficiency Metric
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January 12, 2026
How I Think About Money
My Personal “Money Operating System”
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January 5, 2026
A Paid-Off Mortgage as a Bond Substitute
And a Bond You Can Live In
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December 29, 2025
Live Like Most Won’t (For a Season)
If you’ll do what most won’t now, you can live how most can’t later.
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December 22, 2025
The Reality of the “Overnight Success”
It’s 10 Years in the Making
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December 16, 2025
Extreme Frugality Is For The Birds
Relative Frugality Is The Shiznit!
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November 24, 2025
Your Roadmap To Financial Independence
5 Major Milestones (Plus Financial Freedom as a BONUS milestone)
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November 17, 2025
On The Shortness of Time
You have more than you think, but it will never feel like enough
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November 11, 2025
Concentrate to Build Wealth. Diversify to Preserve It.
You get rich by concentrating your time, capital, and energy on a single mission.
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November 7, 2025
The Impact of Your Savings Rate
How it determines the time to reach Financial Freedom
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November 3, 2025
Ambitiously Lazy
The art of optimizing life for maximum results with minimal wasted effort.
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October 31, 2025
First Believer
Every day is an opportunity to change someone’s life forever—and today is your day.
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October 30, 2025
The Law of 50%
Save 50% and spend the remaining 50% guilt-free!
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October 29, 2025
It Only Takes a Few Good Decisions to Become Rich
Don’t overcomplicate it. It’s five key decisions you practice, not secrets you chase.
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October 24, 2025
Don’t Get So Consumed Building Wealth That You Forget To Build A Life
A quick reminder to look up from the grind.
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October 17, 2025
Buffalo Instincts
Running into the storm is the fastest way through it
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October 16, 2025
The Pro-Leisure Life
I thought I wasn’t built for it but turns out I was wrong
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October 15, 2025
The Highest Form of Civilization
Is found when we focus on what unifies us
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October 11, 2025
What I’ve Learned Over My 39 Years on This Earth
As I reflect on nearly four decades of life
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September 22, 2025
100 Days Until My “First Retirement” at 39 Years Old
Breaking free from the golden handcuffs!
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September 20, 2025
Stealth Wealth
The practice of living below the radar while quietly building and enjoying financial freedom
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August 7, 2025
Howard Marks Teaches Us: How to Think About Risk
Risk is the invisible force shaping your outcomes
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August 3, 2025
The Three Types of Makers
I’m Not Ashamed of Being a Copycat
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July 18, 2025
Getting Paid to Be Patient: One of My Favorite Income Strategies
Free money to wait and buy assets below market price
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January 1, 2025
My 10 Year Letters
From 2012, 2019, and 2023
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