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Money, Time & Choice

More money is not the point. More choice is. Money, Time & Choice helps you think through the money, work, and life decisions that can cost you years or six figures—with real numbers, useful research, and clear decision rules.

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Money, Time &Choice DECISION BRIEF 05 SEPTEMBER 23, 2026 RETIREMENT / INCOME / OPTIONALITY You Can Retire on $250,000.Here’s the Math. Most retirement math prices maximum rigidity and calls it the minimum. Change the job you give your money, and the number changes with it. Personal finance has done something impressive with retirement: it turned the rest of your life into a multiplication problem. Take what you spend each year, multiply it by 25, and keep working until the number in your...

Money, Time & Choice DECISION BRIEF 03 SEPTEMBER 1, 2026 WORK / MONEY / CAREER The Worst Time to Decide What You Want From Your Career Is After You Get a Job Offer If you’re thinking about leaving, decide what you need from the next job before an offer puts a salary, title, and benefits package in front of you. Job offers have a strange way of turning career problems into compensation problems. Maybe you started looking because there was nowhere left to advance. Your manager had confused...

Money, Time & Choice DECISION BRIEF 02 AUGUST 25, 2026 WORK / RISK / CAREER The First Layoff Warning Usually Has Someone Else’s Name on It When cuts start spreading around your company, waiting for certainty can become its own career risk. Corporate layoffs have a strange way of becoming serious only when the calendar invite has your name on it. Before then, there are explanations. That division was bloated. Those jobs were duplicated. Your team is important. Leadership says the restructuring...