Stop Feeling Overwhelmed. Start Building Wealth Skills That Last.

Hey, I’m Michael. I’m 20 and working toward a career in financial planning. One day I hope to be a CFP, but right now I’m focused on learning as much as I can and sharing that journey with people my age.

I started Cool Wealth because most young adults were never taught how money actually works. We figure out student loans, taxes, credit, and retirement the hard way — by trial and error. I want this newsletter to change that.

What you’ll find here

• Money Basics → budgeting, credit scores, building an emergency fund

• Debt & Loans → student loans, credit cards, car payments, mortgages explained simply

• Retirement & Investing → Roth IRAs, 401(k)s, index funds, getting started early

• Taxes → filing, common mistakes, and how to keep more of your paycheck

• Life & Money → saving for travel, renting vs. buying, money habits that stick

🏡 Real Estate & First Homes

A lot of us will face big decisions in the next few years — renting vs. buying, saving for a first home, or even investing in real estate on the side. I want to give you the inside scoop from what I’m learning through school, mentors, and even friends who work with property managers and investors.

My approach

I write in plain language, with real examples, and I’ll share both what I get right and where I mess up. This isn’t advice from some “guru” — it’s practical, step-by-step learning from someone walking the same road.

Who this is for

If you’re between 18 and 30 and want to get your financial life in order without the jargon or noise, you’ll feel at home here