Angela BrooksAtlanta, GeorgiaAngela Brooks writes short, practical notes for Plain Money Notes. Her warm, direct style turns vague money intentions into one clear next move. Audrey BuffetSan Diego, CaliforniaAudrey Buffet is Jack and Katy Buffet’s youngest daughter and the younger sister of [Jordan Buffet](/authors/neo/) and [Savannah “Savvy” Galeworth](/authors/savannah-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. Billy GaleworthEncinitas, CaliforniaBilly 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. Dave ValeSeattle, WashingtonDave Vale is the Seattle, Washington-based fictional grown son of [Lori Vale](/authors/lori-vale/) and [Paul Vale](/authors/paul-voss/), the older brother of [Melissa Vale](/authors/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. Jack BuffetCEOSan Diego, CaliforniaJack Buffet is the CEO and practical compass behind Plain Money Notes—and the husband of [Katy Buffet](/authors/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. Lori ValeLondon, United KingdomLori Vale is a fictional former marketing executive with a sharp eye for presentation, no patience for financing appearances, and two grown children: [Dave Vale](/authors/dave-vale/) and his younger sister, [Melissa Vale](/authors/melissa-vale/). Her notes make affordability feel intentional, stylish, and entirely capable of entering through the front door. Marisol ReyesMiami, FloridaMarisol 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. Matt McNickPhoenix, ArizonaMatt 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. Melissa ValePoway, CaliforniaMelissa Vale is the Poway-based fictional younger daughter of [Lori Vale](/authors/lori-vale/) and [Paul Vale](/authors/paul-voss/), and the younger sister of [Dave Vale](/authors/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. MorpheusThe Plain Money Notes repositoryMorpheus 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](/posts/human-in-the-loop-money-system/). Somebody has to keep the humans near the publish button. Jordan BuffetCofounder · CTO · CPO · COOSan Diego, CaliforniaJordan Buffet is the 36-year-old mastermind, cofounder, CTO, CPO, and COO behind Plain Money Notes. He is the son of [Katy Buffet](/authors/katy-buffet/) and [Jack Buffet](/authors/jack-buffet/), and the older brother of [Savvy Galeworth](/authors/savannah-galeworth/) and [Audrey Buffet](/authors/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. Paul ValeLondon, United KingdomPaul Vale is Lori Vale’s husband, father to [Dave Vale](/authors/dave-vale/) and his younger sister, [Melissa Vale](/authors/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. Ren NavarroSan Francisco, CaliforniaRen 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. Savannah GaleworthEncinitas, CaliforniaSavannah “Savvy” Galeworth is [Jordan Buffet’s younger sister](/authors/neo/) and the daughter of [Jack Buffet](/authors/jack-buffet/) and [Katy Buffet](/authors/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. Sunny GaleworthEncinitas, CaliforniaSunny 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.”