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Notes on money and AI.

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InvestingIs X Money’s 6% APY Worth It? How It Compares With SGOVWhy X Money’s higher rate isn’t the number that matters5 min read

A small wooden-framed school slate on a walnut desk with a chalk sum, 2850 + 4150 + 1000, its answer 7,999 struck through in deep-green chalk.

AI ProjectsLocal LLM Mistakes and the Fixes That WorkedIt wrote the sum right and still got 7,9996 min read

A worn Uncle Sam top hat with a Capital One Venture X card tucked into its star band, beside a cream slip reading Estimated Tax Q4 held by a deep-green binder clip and a receipt showing Tax $10,000.00 and Fee $175.00, on pale limestone.

Credit CardsPaying Quarterly Taxes With a Credit Card: Is It Worth It?Why my 2x card still beats the IRS’s 1.75% card fee6 min read

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AI Projects
How I Made My Phone Videos Searchable with Local AI
Find any moment without sending videos to an AI company
Investing
Is SGOV Better Than a HYSA? It Depends on Your State
Is your savings account paying less than SGOV?
Spending
How Much Work Does That Purchase Really Cost?
Have you been thinking about buying that new iPhone?
Options
The Wheel Strategy: How It Works and When It Fails
Is the wheel strategy profitable? Know where it fails.

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Tools

Spending
Expense Tracker Builder
Build your own expense tracker and save it as an Excel file or a Google Sheet.
Investing
SGOV vs HYSA
See what your savings earn against SGOV and T-bills after tax, in your state.
Credit Cards
Amex Platinum vs. Chase Sapphire Reserve
See whether each card's perks are worth its annual fee to you.

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Aayush Goenka

Hi! I’m Aayush.

I share the money decisions that helped me make work optional, with my own numbers and the tradeoffs. After sixteen years turning data into decisions, I now build with AI and spend much more of my time at home with my family and our little kitten, Chandi.

One newsletter a week: my journey and what I’m learning about AI and personal finance, to help you make better decisions. If you’d like to follow along, you can sign up just below.