About Shelby
Hey, I’m Shelby Grosch—author, business owner, and someone who’s spent the last 8 years testing whether the financial advice I wrote about actually works.
In 2018, I published Young, Dumb, and NOT Broke?!, a straightforward money guide for young adults who were tired of generic financial advice that didn’t apply to real life. The book was built on simple principles: live below your means, invest consistently, avoid stupid debt, and build wealth slowly.
Now, in April 2026, I’m republishing it as Young, Dumb, and STILL Not Broke with something most finance books can’t offer—8 years of actual results. The data shows what worked, what didn’t, and how following (or ignoring) basic principles played out through real market conditions. I’m not just proving the advice was right; I’m also owning what I got wrong and updating it.
What I Do
I own a business in the trades. I lift weights. I collect coins, crypto, and other investments that most people overlook (after I allocate heavily to index funds, of course!). I write about money, business, culture, and whatever else I’m thinking about at the moment.
This site began as an extension of my book, but it has evolved into something broader. It’s where I share unfiltered thoughts on building wealth, running businesses, and living intentionally. Sometimes that means breaking down financial strategies. Other times it’s about the trades, fitness, or why I think culture and how we treat people will be the big differentiator as technology advances.
Who This Is For
This site is for anyone open to different ideas and willing to use them to form their own opinions. People who want to get better every single day. People who are building things—whether that’s a physical business, an online project, or just a better version of themselves.
I’m not here to sell you a course or convince you I have all the answers. I’m just sharing what I’m learning, what’s working, and what isn’t. If that sounds useful, stick around.
What You’ll Find Here
I write about personal finance, business, the trades, fitness, and whatever else catches my attention. It’s not all polished. It’s not all planned. But it’s real.
Recent posts:
- The Coin Collecting Arbitrage No One Talks About (Real Numbers Inside)
- Man’s Search For Meaning and Community
- The Best Way To Change A Habit – Rip The Bandaid Off
- I Need A Physical Challenge… So Let’s Go For A Run
- Positivity And Optimism Is Always The Answer
Legal
Disclaimer
Shelby Grosch is not a trained financial expert. His knowledge comes from real-world experience, trial and error, and years of testing what actually works. He does his best to provide accurate, useful information but makes no guarantee that all readers will achieve the same level of success. If you have questions, consult a trained professional.
This site aims to provide the best financial information possible. As part of the process, we naturally mention and recommend various products and services. Some (but not all!) of the companies we mention may pay us a referral fee or commission when customers visit and/or are approved for various products. This compensation doesn’t cost anything to you, the reader, and it makes it possible for this site to continue providing quality content.