It’s my birthday on Friday (Feb 6)!!! Fun fact: Bob Marley and Axl Rose share a birthday with me, which makes a ton of sense for my personality and my choice of music.

And to be fair, growing up in the 90s we had the best music across all genres. R&B was elite. Hip hop was elite. Rock was elite. Pop was elite. Even country had a moment. You could be in your feelings one track and ready to fight the next. That’s basically my entire personality.

You may ask what I do for my birthday. I’ve never been one to celebrate much (except that one time in college… details not provided).

So we’ll probably keep it simple. All-you-can-eat sushi as a fam. We’ve got soccer training and soccer games that weekend, then the Super Bowl. Standard modern family chaos. The real celebration is when nobody’s arguing, nobody’s sick, and we can all sit down for 20 minutes without somebody needing something.

The gift I usually get myself each year is two prime rib roasts… but this year I might get a flour grinder. Yeah, I cook a lot and now we bake bread every week, so we might as well do it traditional style. It’s better for us anyway.

Last week was one of those “what the hell is going on?” weeks.

Amazon cuts. A Chicago bank shut down (Metropolitan Capital Bank & Trust). Iran tensions rising. More Epstein files released. And all of this is landing on top of an economy where a lot of folks are already stretched.

Meanwhile, delinquencies are climbing again from the post-pandemic lows. That doesn’t mean the sky is falling tomorrow, but it DOES mean more households are playing defense than people want to admit.

I’m tracking this stuff to try and create some calm for y’all. Some weeks it’s easier than others. But I’ll tell you straight: keep your head out of the media cycle or you will emotionally drown.

Gold and silver have been moving like it’s a movie.

We saw them outperform for months… then we watched precious metals get wrecked in a single day. Silver dropped about 31% and gold was down about 11% in that same session. That’s not normal behavior.

What does it signal? I’m not pretending I have a crystal ball, but historically you see metals spike when people are looking for protection and confidence is shifting. Silver is its own beast because it has real industrial use (chips, AI, tech) AND it gets whipped around by leverage and speculation.

Side note: not a trade, not advice, just what we did. We made some investment in silver around $68 per ounce on Christmas Eve and that level has been a solid floor so far. We’ll keep watching.

The world of collegiate and now high school sports has drastically changed, in my opinion, for the worse.

Now let me be clear: I’m a huge proponent of athletes being paid for their likeness. I’m not mad at the concept. I’m mad at the lack of guardrails.

Because the spread is crazy. Some kids getting $0 and some getting $10M. You can’t have kids changing schools every year and expect alumni weekends, rivalries, campus feel, tradition, any of that… to survive. That’s what makes sports matter to people.

And it trickles down into youth sports too. Athletes transferring schools every couple years. Families moving states to be closer to the college they committed to. Like WTF are we doing?

Develop. Do what’s best. I don’t blame kids for having the chance to make money. I blame the system. It needs guardrails before it gets too deep.

Shit never mind… it’s already at the 10U level for soccer. And don’t get me started on football. We’re seeing kids getting attention young as hell. High school NIL rules are spreading fast, and the policy patchwork is only making it messier.

I’m going deeper on NIL soon because this is getting stupid and it’s hitting families way earlier than people realize.

This episode is about being bold with your content, because weak content equals weak authority.

Too many of y’all want to be seen as the expert, but you post like you’re scared of being disliked. You can’t build authority while whispering.

We also open up about Black History Month, specifically what it means coming from two light-skinned people. Not on some performative “look at us” stuff. More like identity, responsibility, truth, and how we show up without making it weird or fake.

If you’re building a business or a brand, here’s what you’re going to get from this one:

NoBS Wealth on YouTube

Spotify

Apple

This one is heavy.

Topic: the killing of Americans by our own government and how we cannot keep doing the thing where everybody acts outraged for a week… then we go right back to normal and repeat history.

The whole point is not just to be mad. The point is to come together stronger and make change stick. Real change. Structural change. Community-level change. Not just “post and move on.”

Here’s what you’re going to get from this one:

Let’s Get FReal on YouTube

Spotify

Apple

If you want the 3-bullet takeaway from both episodes so you don’t even have to watch, hit reply and just write SUMMARY.

It’s tax season, y’all. And I’m going to say this as lovingly as possible:

Most tax stress isn’t because taxes are confusing. It’s because your stuff is scattered.

The best move you can make right now is not “find loopholes.” It’s to get organized so you can see what actually happened and stop walking into the same traps every year.

Create one folder called: 2025 TAX VAULT
Inside it, create:

If you own a business, pull these three things even if you hate looking at them:

Before you hand everything to your tax person and disappear, answer these:

Write down 1 rule you’re committing to starting now:

Next week I’m going to give you the step-by-step to turn that one rule into an actual system.

And if you’re sitting there like “I’m running a business, running a family, and my money is everywhere,” that’s literally what Modern Family Office is built to solve: aligning your business, money, goals, and life into one system that works without babysitting.

If you want to know what your first 3 moves should be, hit reply and say SCATTERED.

Chaos is loud. Chaos is expensive… when you let it be.

Keep your head down and out of the news cycle. Take care of those you love. Do your best each day.

Tough times we all live in, but you are not alone. We got this if we stick TOGETHER.