Hi, I’m Rachel Hart — the writer behind Star Sky Capital. I spent eight years as a corporate financial analyst before leaving to write about personal finance in plain English. I’ve been where you might be right now: living paycheck to paycheck, staring at a stack of bills, and wondering where the money went between Friday and next Friday.
Star Sky Capital is my honest, no-nonsense take on money: budgeting systems that actually work, why lifestyle creep is real (my husband and I spent $25,779 on food one year — then cut it to $1,725 a month), tax moves that don’t require a finance degree, and investing without the fear-mongering.
I’m not here to sell you “financial freedom in 30 days.” I’m here to show you that small, boring, repeatable money habits compound into something real. One kitchen-table decision at a time.
What you’ll find here
- Budgeting — two types of budgets, paycheck-to-paycheck escape plans, and hidden costs that sneak up on families
- Investing — index funds, Roth accounts, and why I stopped trying to predict the market
- Financial planning — HSA/401(k)/Roth trios and tax-season wins
- Product reviews — credit cards and tools I actually use
Questions? Contact me — I read every email.