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How We Grow

One weekly essay for the go-getter building wealth, freedom, and living life on her own terms.

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If I Google You and Nothing Comes Up

Last week someone pitched me a collaboration.

How the World Treats You at Every Level of Wealth, From $0 to $10M

The service gets warmer, the fees get quieter, and at every single level someone new arrives to sell you the feeling of the next one. A field guide, including the levels I’ve lived.

The Most Socially Acceptable Way to Stay Broke

It looks like work. It photographs like work. Everyone around you approves of it. And it quietly eats the years in which you were supposed to get ahead.

7 Things Early Retirees Stopped Buying to Stay Rich

Not a getting-old article. This is about the people who quit at 38 and never went back. At least two of these will sting, because you bought one recently. I’m carrying two myself.

Every Time You Start Over, You Bury The Most Valuable Thing You Own

Stop restarting from zero. Start stacking what you already paid for. Here’s how:

There is no AI, really

(It’s just people)

I can’t read your Substack like a normal person anymore

Once you see the skeleton under a viral post, you can’t unsee it. Fair warning.

the emails I never delete

I sorted 90 subject lines from the best in my inbox. What I found will change how you title everything.

Retirement Is the Worst Financial Product Ever Sold

You trade your best decades to buy your worst ones, and everyone calls it responsible.

The Middle Class Isn’t Dying. It’s Being Repriced.

The dream was never a lifestyle. It was a deal. And the other side quietly changed the terms.

If I lost everything today, here's how I'd get back to $10K months (steal the plan)

No audience, no products, no name. Just the 14 years of scar tissue and 90 days. Here’s every move.

Six Figures Is the New Broke

The strangest financial fact of the decade: income stopped predicting freedom. Here’s the variable that replaced it.

If we're lucky, we get 80 summers. This is Eva's first.

(and the five things I changed after I finally did it)

Everyone Is Afraid AI Will Take Their Job. Wrong Fear.

The divide forming right now is not humans versus machines. It’s renters versus owners, and you get to pick a side before the market picks for you.

It Got 17 Likes. It Also Got Me Here.

Guest post for How We Grow by michelle ray. Michelle is a writing instructor, MFA candidate in Creative Nonfiction, and author of a memoir.