Hi there,  A very happy 2023 to everyone. My name is Ram. If you’ve noticed a change in article tone and phrasing, that’s me. Originally a copywriter, I took an interest in finance — and was waddling through its shady, scary terrain before I met T.U.B and offered to write in exchange for him being my finance compass. Unlike T.U.B, my writing is more clunky. I like to use analogies and sometimes go a little too wild with them. The pieces from today will be an experiment in amalgamating our vastly different narrative style, and I would appreciate any comments them. And if you enjoy this style of writing, I do freelance, and you can contact me at ramdonri.freelance@gmail.com Beyond our shared interest in finance, I think our passion for side hustling is what has made this partnership quite seamless so far. A wise man once said that “the only...