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Ray Caldwell

Substack
keepandgrow.substack.com· daily· Published yesterday

A Fort Worth tax and bookkeeping veteran writes short daily market and money notes on keeping more of your income away from taxes, fees and inflation. Each issue pairs a brief read of the day's markets with a skeptical, personal take on what it means for savings.

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Platform
Substack
Frequency
Daily
Latest issue
Oct 27, 2026
Language
English
Written for
Individual savers and retirees wanting plain daily money commentary
Tone
conversational
Tracked since
Oct 28, 2026

Website: https://keepandgrow.substack.com