Written for reps dealing with variable income, unpredictable quarters, and the financial complexity that comes with a high-earning sales career.
The reserve bucket framework that keeps cash flow stable, taxes covered, and savings automated regardless of what commissions do.
TaxesEmployers withhold commissions at a flat 22%, which undershoots what most reps earning over $100K actually owe. Here's how to calculate the gap.
Equity CompensationISOs offer better tax treatment than RSUs, but only if you exercise at the right time. The AMT trigger, the January strategy, and when to move before an IPO.
Financial PlanningCommission earners need six months of fixed expenses in reserve, not three. How to calculate your target and where to actually keep it.
Equity CompensationRSUs vest and get taxed as income. ISOs require cash to exercise but can deliver better outcomes if you meet the holding period. How to compare them.
BudgetingThe minimum you can realistically expect in a bad year, and why every financial commitment should get tested against it first.
BudgetingCommission income is lumpy. Your lifestyle spending can't be. The income smoothing system that pays you a consistent monthly amount.
Wealth BuildingInconsistent income doesn't mean inconsistent progress. A framework for building real wealth on a comp structure that moves up and down.
Tech SalesPresident's Club reps don't just outsell everyone else. They structure their finances so a slow month never warps their decisions.
Financial PlanningMost financial planners have never seen income like yours. When a sales rep specifically benefits from working with one, and what to look for.
CareerA financial checklist for reps considering a move out of sales, whether that's a leadership track, a different industry, or something else entirely.
Intentional Finance is a short, practical email for sales reps. One idea at a time, no fluff.