A practical finance publication
A smarter route through money, markets, taxes, and life.
Financial Interstate is where I work through real-life money decisions — taxes, investing, credit, business income, entity structure, cash flow, and the financial tradeoffs most people are never taught.
Two lanes, because real life uses both
Money decisions rarely stay in one box. Financial Interstate moves between personal and business finance because the same person is often making both kinds of calls in the same week.
Personal Finance
Investing decisions, dividend ETFs, credit and rewards, household taxes, multiple income streams, debt, and the everyday tradeoffs that actually move the needle.
- Dividend ETFs
- Credit & rewards
- Household taxes
- Cash flow
- Investing
Business Finance
S-Corp vs. LLC, owner compensation, deductions, tax planning, and keeping business and personal money cleanly separated as income grows.
- S-Corp vs. LLC
- Owner pay
- Deductions
- Entity structure
- Tax planning
Built around real decisions, not generic advice
Most finance content explains a concept and stops. Financial Interstate starts from an actual question I'm working through, lays out the tradeoff, and shows where the answer changes depending on the situation. Here are examples of the kind of issue you can expect.
- Personal Finance
SCHD vs. SPHD: income today or dividend growth over time?
- Business Finance
S-Corp vs. LLC: when does the structure actually matter?
- Personal Finance
Credit card rewards: useful tool or spending trap?
- Personal Finance
Multiple income streams: what is actually worth the effort?
- Business Finance
Business deductions: what helps and what is just noise?
These are example themes, not yet-published links. New issues land in the newsletter.
Financial tools you can actually use
Clean, no-nonsense calculators that run entirely in your browser. No sign-up, no tracking inside the tool, no clutter.
Time Value of Money Calculator
LiveSee what a lump sum plus steady contributions could grow into over time at a given rate.
Open calculatorLoan Payment Calculator
LiveEstimate the monthly payment, total interest, and total cost of a fixed-rate loan.
Open calculatorCompound Interest Calculator
LiveWatch how a starting balance and regular deposits compound across the years.
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Real-life money questions, worked through one case study at a time. No hype, no spam — unsubscribe anytime.
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Financial Interstate is educational only — not financial, tax, legal, or investment advice, and not stock-picking. It's one person thinking out loud about money decisions. Read the full disclaimer.