// JUSTINBAKER.CO
ADULT MATH
Plain-English money math from a CFP® professional. Education only — no products, no pitch, no lattes shamed.
No. 002 · July 24, 2026 · 6 min read
BARBELLING
A Way to Manage Risk
Strong ends, empty middle. Three buckets — emergency, protection, growth — one napkin formula that caps your worst year by construction, and why the calm side is what keeps you from selling the bottom.
READ →
No. 001 · July 24, 2026 · 4 min read
MISSED OPPORTUNITY COST
The Second Price of a Dollar
Every dollar has two prices. The first is printed on the tag. The second is printed nowhere — and it's the one that decides why two people with the same paycheck end up decades apart.
READ →