Welcome to Money Talk

Dear Son,

If I’m being honest, I’ve pissed away multiple fortunes.

That’s not easy to admit—but it’s true. And it’s why I started Money Talk.

Most people focus on how to make money. But making it isn’t the real problem. The real problem is keeping it, managing it, and not letting it slip through your fingers faster than you can earn it.

I’ve lived through financial chaos. I’ve been broke, buried in debt, and bailed out more times than I care to count. But since sobering up, I’ve learned a different way to think about money—one I wish someone had taught me when I was young.

This section is where I’ll share what I’ve learned (and what I’m still learning) about money—the hard way. No fluff. No guru talk. Just straight-up lessons about budgeting, debt, investing, financial health, and how to stop being your own worst enemy when it comes to money.

If I had a son, I’d want him to know:
It’s not just about how much you make. It’s about how much you keep, how you use it, and whether it gives you freedom or stress.

So let’s talk money. Honestly. One letter at a time.

—Fred [GeezerWise]