After spending three years sorting through confusing financial regulations and making plenty of mistakes along the way, I decided to document everything I learned. This isn't legal advice — it's one person's journey through the maze of tipping customs, tax obligations, and banking rules.
Let me be honest with you — I started this project after an embarrassing incident at a restaurant in Miami. I had just moved from the UK and had no idea that the 15% tip I left was considered insulting by American standards. The server actually followed me outside to ask if something was wrong with the food.
That moment stuck with me. I realized that financial etiquette and regulations vary wildly, and there's no single resource that explains it all in plain English. So I spent the last two years researching, interviewing accountants, reading through actual legislation, and yes — making more mistakes so you don't have to.
Everything you'll find here comes from real experience, backed by official sources. No corporate speak, no sponsored content. Just straight talk about money stuff.
These are the areas where I see the most confusion — and where mistakes can actually cost you money or social capital.
Photo: Unsplash / Blake Wisz
From restaurants to hair salons, delivery drivers to hotel staff — tipping rules are unwritten but absolutely real. I break down the actual expectations across different industries and explain the math behind gratuity.
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Photo: Unsplash / Scott Graham
Tax law is designed to be confusing — I'm convinced of it. But there are basic things everyone should understand about their obligations, deadlines, and the penalties you face for messing up.
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Photo: Unsplash / Jason Leung
Banks aren't just holding your money — they're following thousands of rules about how they can use it, lend it, and protect it. Here's what that means for your accounts and deposits.
Read Full GuideI'm always looking to expand this resource. If there's a financial rule or etiquette question that's been bugging you, drop me a line. I might turn it into a full article.
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