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Local-first finance notes

Guides and essays on keeping your financial data where it belongs — on your own machine.

Why Your Net Worth Data Should Never Touch a Server

Bank-linked trackers ask you to hand over read access to your entire financial life. A local-first net worth tracker keeps that data in your browser instead.

Nov 10, 2026·5 min read·privacy / local-first / net-worth

AES-GCM and PBKDF2: How Your Net Worth Gets Encrypted in Your Browser

A plain-English walkthrough of the crypto a local-first tracker uses: PBKDF2 key derivation, AES-256-GCM, and why the vendor can never read your vault.

Nov 8, 2026·4 min read·privacy / encryption / local-first

How to Track Net Worth Without Linking Your Bank (No Plaid Required)

Bank-linked trackers trade your financial credentials for convenience. Here is how a no-Plaid net worth tracker works, and what you give up.

Nov 5, 2026·4 min read·net-worth / privacy / no-plaid

The 30-Minute Subscription Audit: Find and Kill Forgotten Charges

A subscription audit you can finish in half an hour: find every recurring charge, kill what you do not use, and set up a system so it never piles up again.

Nov 1, 2026·4 min read·subscriptions / net-worth
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