The Ledger

The research log.

Short, sourced entries from the casework: one finding at a time, graded FACT or ASSUMPTION, with the receipts attached. New entries most Saturdays.

A close ledger texture: ruled paper, penciled figures, and a fountain pen

The LedgerJuly 2026

The $667 Rule

The margin that decides retirement isn't the balance. It's $667 a month.

The LedgerJuly 2026

2026 Medicare Part B: the new numbers and what they do to an early retirement

Part B is $202.90 a month per person in 2026 — and it is one of four layers.

The LedgerJuly 2026

Why we publish our revenue rules before we have revenue

The rules should exist before the temptations do.