FROM OUR PARTNER

For US farm, ranch and small business owners.

Airlines hedge fuel. Food companies hedge crops. For decades, protecting a business from outcomes it can't control took a broker, a trading desk and an order size most owners never had.

Kalshi opens hedging up to small businesses. Pick the outcome that would hurt you, like a fuel spike, a heat wave, a new tariff or a rate hike, and take a position on it, starting at a few dollars. If it happens, the payout offsets the hit. If it doesn't, the contract expires and the good month was the point.

A California goat herder and a Maryland tea company already do it, and CNBC, Reuters and The New York Times have covered businesses hedging on Kalshi.

Kalshi is a federally regulated exchange.

See how other owners hedge

NOTES FROM STEPHEN

I’m curious - what percentage of JSuite readers are looking to raise money for their startup, either right now or in the not-to-distant future?

I'll share the results next week.

AMA OF THE WEEK

Viggy Parr Hampton is an epidemiologist, a six-time published author (mostly horror) and the host of the podcast Horror Humor Hunger. After parting ways with her literary agent, she self-published under her own press and has sold well over 15,000 copies. She's taking questions on writing, publishing, marketing a book and podcasting.

Want to be next week's AMA? Post your own and I'll feature the best one here.

REQUEST OF THE WEEK

Hannah Schubert, co-owner of CH Bookkeeping USA, is building a referral list of CPAs and EAs who work with small contracting and service businesses and are comfortable coordinating with an outside bookkeeper. If that's you, or you know one, she'd like to hear from you.

Need an intro, advice or a recommendation? Post it in #Requests and it could be featured here next week.

MEMBER OF THE WEEK

Alina Trigub
Writer, Speaker & Investor · Author, Your Legacy on Main Street
New Jersey

Alina came to the U.S. at 20, built a 20+ year career in tax accounting and technology, and eventually found her way into investing, writing and entrepreneurship. She's the author of Your Legacy on Main Street and writes The Long Arithmetic, a weekly letter for high earners who've outgrown basic personal finance. A JSuite member since day one, she now helps families organize their financial lives so the whole picture doesn't live in one person's head.

I came to the U.S. at 20, built a 20+ year career in tax accounting and technology, and eventually found my way into investing, writing, and entrepreneurship. I'm the author of Your Legacy on Main Street and now write The Long Arithmetic, a weekly letter for high earners who've outgrown basic personal finance and are thinking more deeply about wealth, including what they'll pass on to the next generation. I keep returning to a question: how do we make better decisions with the wealth we've built and create more choices for ourselves and our families?

A high income gives you opportunities, but what you do with it determines how much wealth you actually build. I subscribe to Buffett's philosophy of patience and long-term compounding. Give your money time to work, and resist the temptation to chase every opportunity. Keep enough liquidity to preserve your choices. And learn to evaluate investments yourself, even if you have excellent advisors. I've seen how easily people confuse a compelling story with a sound investment. Understanding the difference can save you a great deal of money.

My contrarian view is that complexity is often mistaken for sophistication. Successful families can accumulate multiple accounts, entities, policies, investments, and advisor relationships without realizing how difficult everything has become to manage. This is an area I spend considerable time helping people think through. Who understands the complete financial picture? Could your spouse or children navigate it without you? Sometimes protecting what you've built means simplifying, documenting, and making sure someone else knows how everything works. You'd be surprised how much financial knowledge lives in one person's head.

Spotting what doesn't quite add up. My years in tax accounting, technology, and investing trained me to question assumptions and notice what's missing. But I also care about making the complicated understandable. I can read a dense document, find the issue that matters, and explain it without making someone feel they should already know the answer. The best part is watching someone go from feeling overwhelmed to knowing exactly what to ask next.

Earlier in my career, I was reconciling a business's bank account when I noticed a $100,000 deposit was missing from the bank statement. We had proof of the deposit, so we went to the bank, presented the documentation, and got the money credited to the account. That experience stayed with me. A discrepancy can look like a small accounting detail until you realize what's actually at stake. I've learned to check the numbers, question what doesn't reconcile, and keep digging until I understand why.

Good spending starts with understanding what you genuinely value. I once passed on an expensive bracelet I liked because I couldn't justify the price, even though we could afford it. Spending on my children around the same time brought me much more joy. Before a purchase, I'd ask two questions: Can I comfortably afford this? And will it add something meaningful to my life? If the answer to both is yes, yet spending still feels uncomfortable, it's worth exploring why. Years of disciplined saving can make spending surprisingly difficult.

I like Mike Michalowicz's envelope approach. Once you've established what you can comfortably afford, set aside a specific amount each month for things that matter to you. It could be travel, experiences with family, generosity, or simply making everyday life easier. Keep it in a separate account or virtual envelope. That money already has a purpose, so using it becomes easier. And periodically ask yourself whether those purchases brought you the enjoyment you expected. The idea is to become more intentional about spending while giving yourself permission to enjoy what you've worked so hard to build.

A couple I know had investments in stocks, private equity, and real estate, but their financial information was scattered. I helped them bring it into one dashboard without accessing their accounts. Then I sat with the wife and children to explain where to find information and whom to contact if the husband, who handled the finances, became unavailable. We also prepared questions about their real estate holdings for their CPA and other advisors. That experience stayed with me.

It's a personal preference. Monarch, Excel, Google Sheets, or other tools can all work, depending on your comfort level and what you need from them. Some people prefer automatic updates; others want a simple spreadsheet they control. What matters is capturing the complete picture: accounts, private investments, entities, insurance, important documents. And making sure the information is secure, current, and organized so your family can actually navigate it. My test is simple: if the person managing the finances became unavailable tomorrow, would someone else know where to start?

I'm still learning, and I don't pretend to have a formula. Meeting people in person has been especially helpful. Some of my best topic ideas come from conversations where someone shares a financial question or frustration. Reader feedback is equally important because it tells me what people are actually struggling with. Consistency helps, too. What hasn't worked as well is chasing broad visibility. The number of subscribers tells only part of the story. I'd rather have 100 engaged readers who think and respond than 1,000 who barely notice.

What our children will actually do with everything we're working so hard to build. As an immigrant and a first-generation wealth builder, this is personal. My kids are growing up with opportunities I couldn't have imagined at their age. That's wonderful, but it also makes me wonder which lessons they'll carry forward. Will they understand the decisions, sacrifices, and occasional spectacular mistakes behind what they inherit? I can't make their decisions for them (and they probably wouldn't appreciate that anyway). But I can help them learn to think for themselves.

The people, without hesitation. I love learning about their journeys and finding ways to help, whether that's making an introduction, sharing experience, or simply listening. Giving back matters to me, especially when something small on my end can make another person's path easier. Stephen's newsletter keeps us connected, and I love how conversations in the WhatsApp group can lead to real relationships. A special thank you to Stephen for creating a community where generosity and curiosity feel natural. I'm grateful to have been here from the beginning.

Sarina Ziv and Robyn Schultz. Sarina and I connected over commercial real estate, which led to several deep conversations. She's exceptionally intelligent, curious, and has the entrepreneurial spirit I admire in a founder. We've explored ways to collaborate, and I have a feeling we'll find the right opportunity.

Robyn recently helped me book a trip we're taking in a few months. She was accommodating, thoughtful, and such a pleasure to work with. Beyond her professionalism, she's a genuinely caring person. I'm grateful JSuite brought both into my life.

Introductions to high-earning professionals or business owners whose financial lives have grown increasingly complex. They may own real estate, private investments, multiple entities, and work with several advisors, but struggle to see how everything fits together. Some worry that their spouse wouldn't know where to start if something happened to them. I help families organize their financial lives, identify gaps, and build a system they can confidently navigate. If someone comes to mind, I'd welcome an introduction. And I'm always glad to help others in the community as well.

The easiest place to find me is alinatrigub.com, where you can learn more about my work and get in touch. You can also connect with me on LinkedIn or subscribe to my free weekly newsletter, The Long Arithmetic. I genuinely enjoy meeting people, exchanging ideas, and hearing different perspectives. If something I've written resonates with you, or you think there's a way we could help one another, I'd love to hear from you.

Alina's work focuses on financial organization and education. She does not provide investment, tax, or legal advice.

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