The One Big Beautiful Bill Act just delivered a rare win for service workers—if you know how to claim it. With up to $25K in tip income and $12.5K in overtime now deductible, bartenders, baristas, delivery drivers, and frontline staff finally have a real shot at reducing their tax bill. But here’s the catch: if it’s not tracked, it doesn’t count. In this post, we’ll break down how to make sure your hustle gets recognized—and rewarded—by the system.

The One Big Beautiful Bill Act just rolled back some of the most powerful clean energy and EV incentives that were fueling growth in Black and Brown communities. From solar credits to EV rebates, these cuts hit more than just the environment—they hit entrepreneurs, job seekers, and opportunity zones already on the rise. In this post, we unpack what’s gone, who gets hurt, and what steps you can take to stay in the game.

Most small business owners are missing out on one of the biggest legal tax breaks in the game—the 23% Pass-Through Deduction. Whether you're cutting hair, coaching clients, or creating content, this deduction could save you thousands. In this post, Stoy Hall breaks down who qualifies, how to set up your business to get it, and why this is a non-negotiable move for anyone trying to build wealth from the ground up.

The One Big Beautiful Bill Act just shook the foundation of two of the most essential support systems in America—Medicaid and SNAP. These aren’t luxuries. They’re lifelines. And now, millions risk losing access due to stricter work requirements and capped funding. In this post, we’ll break down what’s changing, who’s being targeted, and how families can prepare, protect themselves, and respond with strategy—not panic.

Congress just passed one of the most sweeping tax bills in recent history—the One Big Beautiful Bill Act. Behind the name is a complex set of changes that benefit some while deeply impacting others. If you’re a small business owner, service worker, immigrant family, or anyone trying to build wealth from the ground up, this legislation could shape your financial future. In this post, Stoy Hall breaks down who wins, who loses, and why understanding this bill isn’t optional—it’s essential.

Financial Independence Day isn’t just about fireworks and freedom for a nation—it’s about your freedom. In this no-fluff guide, we break down bold, practical steps to eliminate debt, invest wisely, and create passive income streams that put you in control of your time, your money, and your future. Whether you're just getting started or ready to accelerate, this is your call to take back financial power—starting today.

Summer side hustles might bring in extra cash—but they can also bring tax headaches if you’re not careful. Whether you’re renting out your property for Airbnb, freelancing in your spare time, or selling handmade goods at farmers markets, the IRS is watching. This blog breaks down the real tax implications of your summer income streams, gives you step-by-step actions to stay compliant, and shows you how to keep more of what you earn without getting blindsided next tax season.

Why does your spending go wild when the sun comes out? It’s not just about vacations or BBQs—it’s about how summer messes with your money psychology. From dopamine-driven decisions to guilt-fueled “yes” moments with the kids, summer triggers a perfect storm of financial behavior patterns. In this blog, we break down the science behind your seasonal overspending and give you bold, no-fluff steps to outsmart it—without sacrificing fun. If your wallet’s been sweating as much as you are, it’s time to take control.

Back-to-school season isn’t just about fresh notebooks and new sneakers—it’s a financial stress test for families if you’re not prepared. From tuition to tech, this guide breaks down how to budget smart, spend with purpose, and avoid back-to-school debt traps. Real numbers, real strategies, and zero fluff. Let’s get your education budget under control before it controls you.

Juneteenth isn’t just about barbecue and celebration—it’s a reminder of the freedom we were delayed and the wealth we’re still owed. In this blog, I’m breaking down the real financial challenges Black and Brown communities continue to face, and giving you five no-fluff steps to start building true economic freedom. From killing the flex culture to protecting your assets with estate planning, this is the blueprint for reclaiming what systemic inequality tried to steal. Let’s turn this holiday into action.

Think your kid is too young to learn about money? Think again. By age 7, most kids have already formed the financial habits they’ll carry for life. This blog breaks down how to use summer—yes, summer—to teach your child how to budget, earn, and save using real-life activities, apps, and even their own savings account. It’s not just playtime—it’s preparation for lifelong confidence.

Summer is the perfect time to tackle home improvement projects—but if you’re not budgeting smart or financing right, that dream patio or kitchen upgrade can quickly become a financial headache. In this blog, we break down how to plan your renovations, choose the right funding options, and make strategic upgrades that actually boost your home’s value. Before you pick up a hammer, let’s make sure your money’s working just as hard as you are.

We’re halfway through the year—and if you haven’t looked at your finances since January, it’s time for a serious check-in. This mid-year financial review isn’t just about budgets and portfolios—it’s about making sure your money is aligned with your life. Inside this blog, you’ll find a no-BS checklist to audit your goals, debt, savings, business income, and more. Don’t wait until December to realize you’ve been off track. Let’s get you back in control, now.

Vacations shouldn’t leave you broke or battling credit card debt. In this bold and practical guide, we break down how to travel the world without trashing your financial goals. From setting a real travel budget to leveraging rewards and exploring debt-free destination hacks, this blog is your roadmap to becoming a conscious explorer—without compromising your wealth journey.

Tired of watching wealth leave your neighborhood the moment you swipe your card? Community wealth building flips the script—by investing in local businesses, banks, and entrepreneurs, you’re not just spending money, you’re building power. This blog breaks down how to turn everyday purchases into long-term wealth for you and your community—complete with actionable steps, real resources, and bold advice to get you moving now.

You’ve got the meal prep down and the workout routine locked—but is your financial health keeping up with your physical gains? In this blog, we break down how the same mindset that builds muscle can build money. From budgeting like you track calories to investing like you train for progress, it's time to align your health goals with your wealth-building strategy. Let’s turn that discipline into dollars.

Summer’s here—and so are the sneaky spending traps that drain your wallet faster than you can say “vacay.” From last-minute getaways to overpriced iced lattes and every impulse Amazon buy in between, this season can quietly wreck your budget if you're not paying attention. In this blog, we break down the most common summer splurges, show you how to dodge them, and give you real strategies to stay financially disciplined without missing out on the fun.

Summer isn’t just for beach reads and backyard cocktails — it’s prime time to level up your financial game. In this no-BS summer reading list, we’re breaking down the top books that’ll educate, empower, and push you closer to true financial freedom. Whether you're just starting out or tightening up your wealth strategy, these picks go beyond basic budgeting tips and dive into the real stuff — investing, mindset shifts, and the systems you were never taught in school. Grab a chair, a cold drink, and one of these books — because financial literacy is your hottest flex this season.

Summer side hustles are more than just sunshine cash—they're the perfect launchpad for long-term wealth. In this blog, we break down how seasonal gigs like lawn care, tutoring, or beach rentals can evolve into full-scale businesses that bring in money 365. Learn real strategies to scale, automate, and diversify your hustle—and find out why now’s the time to stop chasing quick wins and start building generational income.

Retirement is changing—and fast. With Social Security facing major reforms and traditional pensions fading into the past, today’s retirement landscape looks nothing like it did a generation ago. In this blog, we break down what’s shifting, what it means for your future, and the actionable steps you can take right now to build a retirement plan you can trust—one rooted in clarity, control, and confidence. Whether you're years away or just around the corner, this is the conversation you didn’t know you needed—but won’t want to miss.