Troy A. York HQ teaches beginner investing for people starting with under $500. No jargon, no hype.
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This is the on-ramp for a total beginner. Each step is short, and none of them asks you to be rich first.
What a stock, an ETF and an index fund actually are, in plain words, and why the difference matters more than any tip.
Brokerage setup, walked through screen by screen: which account to open first, what the fees mean, and what to ignore.
A small-account strategy you can explain to a friend: what to buy, in what order, and what to leave alone.
Everything published here lives under one of these. On day one it is a table of contents; as posts and videos land, each card fills in.
What $500 becomes at 20 versus 30 versus 40. Why a savings account quietly loses money. Roth IRA, brokerage, 401(k): which one you open first.
Posts land here as they publish.
Opening your first account, screen-recorded step by step. Fractional shares, market versus limit orders, and the five fees beginners never see coming.
Posts land here as they publish.
Index funds explained like you're five. Dollar-cost averaging, the laziest strategy that beats most traders. Honest dividend math on $500.
Posts land here as they publish.
Why day trading with $500 is a donation. The penny-stock trap. What happened to everyone who panic-sold, and the red flags when someone is selling you something.
Posts land here as they publish.
$500 and $8k of card debt: what comes first. What $100 a month becomes over 30 years. Starting at 22 versus 32, with the real gap, and whether crypto counts as investing.
Posts land here as they publish.
One page. The exact order of moves for a first-time investor, so you never sit there wondering what comes next.
I'm Troy. I work in finance and I build things. I started this because the people who asked me where to begin were getting hype or homework, and nothing in between: a calm answer to one question at a time, with the math shown. The full story →
A job search engine ranked by your résumé. Drop in a résumé and Fitz reads it with plain rules, no AI and nothing stored, then ranks tens of thousands of live roles by how well each one fits you. Built during my own search, after a layoff.
The same habit runs through everything on this site: source the claim, show the assumptions, and explain the trade-off instead of reciting a script. Fitz, the playbook behind it and the models I keep for myself all came out of that habit.