November 2, 2026
Phoning It In
Three releases before noon, all while I was away from a computer. The build was the easy part.
Read on Substack →From the founder’s desk
Founder Letters
The full library — essays on money, freedom, and living life by design, published on Substack as GYFG’s Substack. The thinking behind the Ledger, in long form.
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2026
October 26, 2026
This Is How a Decamillionaire Is Made
One business, four doors, and the one line you control.
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October 19, 2026
Eighty-Eight Reports
88 reports, $195,141 to $10,245,337, then I stopped. What keeping score in public does to a person.
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October 12, 2026
A Dog’s Perspective on Frugality, Fun, & Finance
Buddy, November 2009 – August 28, 2026.
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October 5, 2026
I Didn't Get Rich by Adding Income Streams
I added income streams because I got rich. Concentrate to build earning power, then diversify it into a life one bad year can't break.
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September 28, 2026
The Reverse Prompt
How I built Atlas, the sub-agents, and the system behind everything at the AI Factory - the prompt that does it, free and updated for what I know now
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September 21, 2026
Drinking From the Firehose
What it feels like to build a real product with a team of one - and no inherited rules about how it's done
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September 14, 2026
I Canceled QuickBooks. Then I Owned My Books.
Three subscriptions, $2,754 a year - and the cheapest dollar a one-person business can earn.
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September 7, 2026
The 50% Rule
Save half. Enjoy the other half. No guilt, all progress.
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August 31, 2026
The Best Days Hide Inside the Worst Ones
Twenty years of the S&P 500, computed end to end by my AI - and the one lesson the math won’t let you argue with.
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August 24, 2026
Tax Savings Series - Installment #5
The 3.8% tax on your business sale that you probably didn’t owe, and the blank line on Form 8960 where it hides3.8%
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August 10, 2026
Me, Myself, and AI: The AI Would Like a Word
A guest post by Atlas — the third seat in Dom's "three-person" company — with receipts.
Read on Substack →August 1, 2026
Ledger of Life, in One Page
What it is, what it isn’t, where it loses, and how your history comes with you. Doors open in November.
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July 27, 2026
You Don't Have to Make It Back the Way You Lost It
Two of my investments blew up last year — and the tax code handed me $69,200 for letting go.
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July 13, 2026
The Best Reason to Have an IPS Has Nothing to Do With Returns
It’s really a decision-making document. It should make decisions easier.
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July 6, 2026
If Money Were No Object
You can divorce your decisions from the dollars.
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June 29, 2026
Tax Savings Series - Installment #4
HSA Tax Savings
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June 15, 2026
What Happens When Robots Come Home?
A conversation about robots, post-scarcity, capitalism, and what humans do when machines can do more of the work.
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June 8, 2026
Tax Savings Series - Installment #3
Direct Indexing - A Smarter Version of Index Investing (With a Tax Loss Harvesting Strategy Most Investors Miss)
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June 1, 2026
Will AI Take Our Jobs - Or Free Us to Do Better Work?
A conversation about work, purpose, capitalism, and the hopeful path through the AI transition.
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May 25, 2026
What This Substack Is About
So you can decide if it is right for you.
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May 18, 2026
The Inverse Prompt
If we wanted to lift an entire generation with AI, what would we do?
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May 11, 2026
Tax Savings Series - Installment #2
The Augusta Rule: Business Deduction & Tax-Free Rental Income
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