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Corporate banking drone turned freelance writer & editor. I write about personal finance, entrepreneurship, psychology, writing, and spontaneous allegories.

The fundamental analysis of HOOD and its troubling legal history.

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Years ago, Robinhood users only had access to a handful of select U.S. stocks. The app’s early backers would showcase their commission-free trades and free stock rewards — a rarity at the time. Robinhood was small and unknown.

Those days are gone.

The COVID-19 pandemic ushered in a new wave of investors — and new, fun ways to invest. First-time investors flocked to Robinhood’s user-friendly platform, which boasts trendy imagery and vibrant color schemes.

Robinhood is still a small fish in a big pond, but it’s hardly an unknown company anymore.

Today, Robinhood will become a public company, trading under…


But is it worth the risk?

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Are retail investors finally on equal footing with institutional investors?

Or, at least, closer to it?

Historically, initial public offerings (IPOs) have been reserved for institutional investors (i.e. investment firms) and affluent individuals. That’s changed over the last few months. Budding fintech companies — SoFi and Robinhood — are giving average, everyday investors early access to offering prices.

But why does early access to an IPO matter? How can you take advantage of it? What’re the risks of investing in an IPO?

Let’s explore.

Why is early access to an IPO significant?

Traditionally, when a company goes public, it announces an IPO. The company would then work with…


Is it time to deescalate your lifestyle?

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Life costs money — a lot of money. We’re constantly spending. We’re consumers, it’s what we do.

That’s not a surprise, by any means. However, it’s easy to overlook how many unique transactions we make on a monthly basis. We even set up automatic payments to avoid the hassle of dealing with each individual expense. We save our credit card information on websites and apps to save time and buy things instantly in the future.

This convenience has a downside — automated expenses and seamless digital transactions make spending too easy. We slip into bad financial habits without realizing it.


You’ll not only feel better but could also gain a new follower.

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Fluff article.

I editorially suggest you take this article down.

Can you imagine if someone said that about your thoughts, feelings, and opinions? I can — because it was directed at my writing.

As a freelance writer, you have to get used to degrading and hostile comments. It comes with the territory.

Random people will despise your hard work. They’ll fundamentally disagree with what you have to say — and they’ll let you know about it. This person is commonly known as a hater, and believe it or not — you will have haters.

They’ll stink up the comment sections…


SALARY HISTORY

An in-depth look at my business, finances, and strategies.

Man sitting at table outside cafe working on his laptop
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Editor’s note: This article is part of our Salary History series. Want to submit your own? You can do so (anonymously, if you’d like!) here.

Freelance writing is an exciting occupation, but there isn’t a ton of transparency into earnings. Some people share their big wins and a particularly successful month or even year. But I rarely see people share the entire picture.

I’m happy to share the details of my income to help you get an idea of how much money a freelance writer makes in their first few years. …


And how they’ve helped me become a better entrepreneur.

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Is it Friday yet?

Sometimes, that question didn’t even matter. The weekend often signaled another two days of work, so Friday was just a reminder of the activities and free time that I would miss.

Back in my corporate banking stint, I woke up dreading the day ahead. I’d walk into my building, entrench myself in a six-by-six cubicle, glue my eyes to a screen for 12–16 hours (sometimes longer), walk home, eat dinner, check another screen for emails, and go to bed.

Repeat.

The process eroded my psyche. My personality shrunk into a crevice deep within the canyon of…


Two years after quitting corporate, I’m here to tell you something important.

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Dear Past Carter,

Two years ago today, at this very minute, you took what many people call a “leap of faith.”

You chose to leave the comfort of a stable, lucrative career in corporate banking to pursue freelance writing full-time — a massive decision with permanent consequences.

I know it wasn’t easy. You had plenty of reasons to second guess such a bold move.

The uncertainty.

The risk of burning through your savings.

The lack of structure, accountability, and guidance.

And then an unexpected curveball nearly derailed your entire plan. You received a tentative offer on your last day —…


Why Clover Health became a meme stock and a fundamental analysis of its operations.

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Welcome to the newest segment of Due Diligence: Social Spotlight.

We’re shining a light on the backstories and fundamentals of social momentum stocks, otherwise known as “meme stocks.” This cultural phenomenon typically targets companies that could experience short squeezes and gamma squeezes, which are technical by nature. However, we want to provide insight into the fundamentals of the underlying businesses.

Forewarning: Our goal is to be objective and simply provide facts with insightful commentary — we aren’t sunshine pumpers or doomsayers. Note that our analysis is from a fundamental perspective and does not opine on potential technical events or risks.


Most writers fail because they’re missing these two things.

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Statistically, you can’t be a freelancer because most people don’t have what it takes.

While you swallow that one, here’s another hard dose of reality: most people don’t actually want to be freelancers. They just think they do.

Freelancing may have charmed you with its promises of unrivaled flexibility, autocratic independence, and boundless creativity. You can “be your own boss” and “work from wherever, whenever.” You can build a renowned brand, establish predictable income streams, and rake in ridiculous wealth. You can turn your passions into your career and finally feel like you have a purpose. …


It starts with time management.

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When I first started writing, I routinely psyched myself out. I’d shudder at the content outputs and portfolios of established writers, doubting that I’d ever produce thousands of words every day too.

Playing the comparison game wasn’t fun because I usually lost. My writing process felt like a burdensome climb up a treacherously steep mountain, while others made it seem like a casual stroll through a scenic park. But that’s gradually changed.

I crank through client work much faster. I come up with an abundance of article ideas daily. I’m slowly but surely shedding my old habits of perfectionistic writing.

Carter Kilmann

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