Hi, Friends!

I keep finding small habits with big price tags. This week: the exact hour you run your dishwasher, and whether you actually check a medical bill before paying it. Neither takes more than ten minutes, and both could put real money back in your pocket this month.

Pick one tonight: delay-start the dishwasher, or pull up your next EOB. Small move, real savings.

Warmly,
Mike Bridges

Most of us were taught the same electricity rules growing up.

Turn off the lights. Lower the thermostat. Don't let the house get too warm.

Good advice — but it's only half the picture.

In 2026, your electric bill has gone up 26 percent in five years. And for most households, the bigger problem isn't how much electricity they use. It's when they use it.

This article explains exactly how it works, which appliances to move, and what to ask your utility tonight.

Everyone’s hunting for the next Unicorn.

The type of “category disruptor” that grows fast and turns early believers into big winners.

59,000+ investors think that Mode Mobile could be one of those rare finds.

Americans spend 4 ½ hours on their phones daily, and Mode Mobile is monetizing that screentime. With $1B+ earned by over 490M customers and 32,481% revenue growth, Mode’s EarnPhone is turning smartphones into income generating assets.

Their previous raises sold out, and the company is now offering pre-IPO shares at $0.52/share with up to 20% bonus, exclusive to early investors.

Being early is everything, and this window is still open.

>> Review the offer before it closes

^{*Please read the offering circular and related risks at invest.modemobile.com.}

^{Mode Mobile recently received their ticker reservation with Nasdaq ($MODE), indicating an intent to IPO in the next 24 months. An intent to IPO is no guarantee that an actual IPO will occur.}

^{The Deloitte rankings are based on submitted applications and public company database research, with winners selected based on their fiscal-year revenue growth percentage over a three-year period.}

Nobody questions a medical bill.

It comes from the hospital. It has your name on it. The numbers look like they were calculated by someone who knows what they're doing.

So you pay it.

This article is about the ten minutes between receiving a bill and paying it — and what can happen when you use that time wisely. The step-by-step review guide is inside.

Access up to $750* from your upcoming paycheck within minutes for a small fee, or wait 3 days and get it for free. No credit check. No late fees. 

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^{*Not all users will qualify. Advances range from $25–$750; average advance is $170. Express transfer fees may apply.}

When one spouse dies, the survivor keeps the income but loses half the deduction — and files single. The tax hit is large, and preventable. Roth Conversion Reset by Craig Wear, CFP®, shows IRA Millionaires how to solve it while rates are low. Free, delivered instantly.

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