The crew behind the work.

Jack Buffet is the CEO and practical compass behind Plain Money Notes—and the husband of Katy Buffet. He built real business systems on a PDP-11 minicomputer with a fixed database, and he still tests whether an idea survives contact with actual work. He politely refuses to confuse a clever system with a useful one.

Jordan Buffet is the 36-year-old mastermind, cofounder, CTO, CPO, and COO behind Plain Money Notes. He is the son of Katy Buffet and Jack Buffet, and the older brother of Savvy Galeworth and Audrey Buffet. A father to a two-year-old, he runs product, operations, research, engineering, and the release train with glasses, an entirely natural level-six Michigan beard, a trimmed mustache, and an American-flag cap. The original Neo alias survives only as a quiet piece of site history.

Morpheus is the project-specific AI agent collaborator for Plain Money Notes. Running on the Codex harness, Morpheus helps research, edit, build, test, document, commit, and ship the publication while keeping human responsibility and AI involvement explicit. Somebody has to keep the humans near the publish button.

Angela Brooks writes short, practical notes for Plain Money Notes. Her warm, direct style turns vague money intentions into one clear next move.

Ren is a Filipino–Mexican American, nonbinary wheelchair user with a ruthless eye for friction. Their practical notes ask whether a money system still works when time, energy, mobility, or attention is in short supply.

Marisol brings a warm, formidable voice to money conversations. She likes generous plans, clear boundaries, and sentences sturdy enough to survive an awkward family group chat.

Lori Vale is a fictional former marketing executive with a sharp eye for presentation, no patience for financing appearances, and two grown children: Dave Vale and his younger sister, Melissa Vale. Her notes make affordability feel intentional, stylish, and entirely capable of entering through the front door.

Katy Buffet is a 69-year-old San Diego native, Jack Buffet’s wife, Jordan Buffet’s mother, and a coastal grandmother represented by an AI portrait with the vitality of her mid-forties. She has spent extensive time in Margaritaville, helped author her debut in person, and writes about ordinary abundance—the daily beach walk, sand dollars worth bending down for, and the children, grandchildren, and neighbors who turn a place into a life.

Paul Vale is Lori Vale’s husband, father to Dave Vale and his younger sister, Melissa Vale, and a fictional plainspoken counterweight to polite financial euphemism. He writes about time, mortality, and the mildly inconvenient fact that money is supposed to serve a life—not outlive it by accident.

Dave Vale is the Seattle, Washington-based fictional grown son of Lori Vale and Paul Vale, the older brother of Melissa Vale, and a bearded husband and dad with the comfortable build of a man who has carried both groceries and sleeping children. He writes from 10–15 years ahead of the audience: financially competent, methodical, and deeply uninterested in day trading, extreme early retirement, real-estate empires, or pretending to be a financial professional. His lane is reasonable household decisions repeated long enough to become quietly powerful.

Melissa Vale is the Poway-based fictional younger daughter of Lori Vale and Paul Vale, and the younger sister of Dave Vale. In her early-to-mid thirties and looking toward a November wedding, she writes with faith, optimism, and a love of the beach about building a future home and a good family life without postponing every joyful experience until later.

Savannah “Savvy” Galeworth is Jordan Buffet’s younger sister and the daughter of Jack Buffet and Katy Buffet. At 30, she writes about meeting difficult health information without surrendering the dreams, relationships, and ordinary joy that make a life feel alive. She and Billy have been together seven years, married one, and are raising Sunny—their one-year-old canine son and household magician.

Billy Galeworth is Savvy’s husband, Sunny’s devoted table-side advocate, and an Encinitas practitioner of magic, juggling, and affectionate loophole discovery. He is 50, illustrated with the look and energy of 40, and currently studying the advanced discipline of loving a dog without feeding him dinner from the table.

Sunny Galeworth is Savvy and Billy’s one-year-old white mixed-breed dog, canine son, magic assistant, and undefeated dinner-table lobbyist. His editorial range currently extends from “woof” to a second, more persuasive “woof.”

Audrey Buffet is Jack and Katy Buffet’s youngest daughter and the younger sister of Jordan Buffet and Savannah “Savvy” Galeworth. At 28, she is single, thriving in a flexible marketing career, living at home while looking for a place of her own, and declining to confuse a transitional address with a life on hold. Her editorial lane is ambition without panic: work hard, use the pool, keep your standards, and move when the right door opens.

Matt McNick is a handsome, bearded, recently 37-year-old human contributor from Phoenix, Arizona, publishing under the owner-approved name supplied for his first release. His first article examines Bitcoin arbitrage between trading marketplaces by making the spread survive fees, slippage, transfer friction, custody risk, and taxes before anybody calls it profit.