Latest essay · Essay No. 2 · October 2026

What year is the house for?

Every line on a household balance sheet can explain itself.

Niels Buksik, CFP® · 7 minute read

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02Essays

Notes on what wealth is for.

Unhurried essays on money, meaning, and the long horizon — written for people who want to understand what they are building, and why.

An essay when it's finished. No market chatter in between.

Chapter drafts of a book in progress.

03The essays

Read at the pace of a long horizon.

  1. 01
    The Reframe · August 2026 · 7 minute read

    The Question You Were Handed

    Most of us inherit a single financial question, how much, and spend decades answering it. There is a better one, and it changes everything downstream.

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  2. 02
    The House · October 2026 · 7 minute read

    What year is the house for?

    The house is often the largest number on the balance sheet, and the only one with no year on it. What it costs to leave that line blank, and how to write the year in.

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04The Letters

Each essay, by email, when it's finished.

The Letters bring each one as it's finished. Nothing in between.

05One more page

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