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Money Habits

Open Enrollment Is a Pay Decision

Benefits are roughly 30% of what an employer spends on you, and most of that gets decided in one rushed window a year. How to price each election in actual dollars — three-scenario plan math, the payroll-tax detail that makes an HSA cheaper through work, and the FSA break-even nobody prints.

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    My $0-to-$2K/Month Freelance Ramp

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  6. A peach sticky note and a black pen lying on a silver laptop keyboard.

    Negotiating a Job Offer Over Email

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  1. The Salary Negotiation Script That Got Me $14K MoreNegotiate · 7 min readA brass-and-wood hourglass with magenta sand running through it against a pale blue backdrop.
  2. How to Find Your Real Market RateMoney Habits · 7 min readGlass office skyscrapers seen from above with a river and low-rise city beyond.
  3. The Promotion Doc: The One-Page File That Makes Your CaseGrow Your Career · 7 min readA round black conference table ringed by chairs in a bright meeting room with a wall-mounted screen.
  4. Pay Transparency Laws by State in 2026Grow Your Career · 7 min readThe white dome of the US Capitol against a blue sky with clouds, framed by flowering branches.
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