Entrepreneurship
The first 90 days after you buy a business
Stabilize before you optimize. A sequence for the first three months that protects cash, customers, and the people who make the business run.
September 18, 20268 min read
Read articleLearn It · The Monet Blog
Articles on investing, taxes, and building or buying a business
Written explanations of the same questions people bring to Monet every day. Educational only — nothing here is personal financial, tax, or legal advice.
Taxes
Small-business tax basics: entity choice, payroll, and the records that protect you
Sole proprietor, LLC, S corporation — what actually changes, and why bookkeeping quality decides how much of any strategy survives an audit.
September 11, 20269 min read
Read articleTaxes
Deductions versus credits: where a dollar of planning does the most work
A deduction lowers taxable income; a credit lowers the tax itself. Knowing which lever you are pulling changes what is worth chasing.
September 4, 20266 min read
Read articleInvesting
Asset allocation by decade: matching risk to the time you have
How the mix between stocks, bonds, cash, and ownership should shift as your earning years shorten and your obligations change.
August 28, 20267 min read
Read articleEntrepreneurship
Buying a business versus starting one: two very different risks
Acquisition trades product risk for debt and transition risk. Starting trades capital for time. Which one fits depends on what you can absorb.
August 21, 20269 min read
Read articleInvesting
Index funds versus picking stocks: what the math actually rewards
Why broad, low-cost funds beat most active effort over long periods, and the narrow situations where individual positions can still make sense.
August 14, 20268 min read
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Educational guidance, not personal advice. Outputs are illustrative, may contain errors, and should be independently verified before material decisions.