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The Letter Home

A weekly letter about money. Honest, practical guidance for people who are building toward a better life.

Past Letters 👇

The currency nobody puts on a balance sheet ⏳

May 28, 2026

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4 min read

The currency nobody puts on a balance sheet ⏳

Why time, money, and health rarely show up in surplus together...

Darren McLellan
Darren McLellan
The mortgage tool buyers find out about too late 🔑

May 14, 2026

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4 min read

The mortgage tool buyers find out about too late 🔑

How a 2-1 buydown can shave hundreds off your payment when rates hit hardest...

Darren McLellan
Darren McLellan
The paycheck you never cashed 💵

May 7, 2026

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4 min read

The paycheck you never cashed 💵

The thousands most employees leave on the table every year (and how to stop)...

Darren McLellan
Darren McLellan
The money you’re handing back to the government 💰

Apr 30, 2026

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4 min read

The money you’re handing back to the government 💰

Why most self-employed people overpay on taxes (and the deductions they’re missing)

Darren McLellan
Darren McLellan
The reason you bought that thing you didn't need 🛒

Apr 22, 2026

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2 min read

The reason you bought that thing you didn't need 🛒

What's actually driving your spending decisions (and it's not what you think)...

Darren McLellan
Darren McLellan
The person you think you are is costing you money 🧠

Apr 16, 2026

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4 min read

The person you think you are is costing you money 🧠

How your identity quietly shapes every financial decision you make...

Darren McLellan
Darren McLellan
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The best time to start was years ago. The second best time is now.

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