Fiction and education, not advice. See our Disclaimer.
Welcome to PFBoss. This is a personal-finance blog that does two things on purpose: it follows a cast of fictional people through their monthly money, and it publishes plain-English how-tos so tracking cash flow and net worth feels like a normal habit instead of a personality type.
It is entertainment and education. It is not advice. Tiny House Media, LLC publishes PFBoss alongside TinyHouseTalk.com and ComedyNewsletter.com.
Why a cast?
A single “average household” article has to pretend you earn what the author earns. We got tired of that. So we built a roster: a college student with $847, a retail worker staring at 22% APR, a work-from-home mom starting a tiny automatic investment, a comedian whose August looks nothing like July, a Tesla employee with too much company stock, a plumber, a lawyer, a retiree, two kinds of entrepreneur, and more.
Meet them on Meet the Cast. Each character has a category. When a monthly report goes up, it lives there.
What a monthly report looks like
Income in. Bills out. A net-worth table that is allowed to be small, negative, or boring. One lesson that is not “here is what you should do.” The numbers are invented. They are meant to feel plausible for 2026 in the United States, not to be a scoreboard you should copy.
The investing thread, said once clearly
When characters invest, the educational example you will see most often is automatic contributions to a broad U.S. large-cap index (the S&P 500 is the shorthand). We also mention target-date funds and total-market funds so this does not sound like a commercial for one ticker. Markets fall. Concentration is a risk. Past performance is not future results. Read the Disclaimer and the explainer Why We Keep Coming Back to Automatic S&P 500 Investing.
How to read this site
- If you want stories: start with Money Stories.
- If you want a spreadsheet ritual: How to Track Your Net Worth in 30 Minutes a Month.
- If you want the legal pages: Disclaimer, Disclosures, Privacy.
Comments are open on posts. Please do not ask us to approve your actual 401(k) election. We will not. That is what licensed people are for.
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