Margin & Meaning

Newsletter Archive

Hi there —

Welcome to the full archive of Margin & Meaning™ — a newsletter about money, mindset, and building a life (and business) that feels as good as it looks.

New editions are added regularly and sorted with the latest up top. Whether you’re here to catch up, dig deeper, or read the newest issue, you’re in the right place.

💼 Business owner? Look for editions labeled Business Finance for real-world strategies, client wins, and lessons from the field.

🏠 Focusing on personal finance? Stick with the Personal Finance category for practical tools and mindset shifts to help you use your money with clarity and intention.

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See you in your inbox,

— Andrew

Personal Finance Andrew Herwig Personal Finance Andrew Herwig

2025 Didn't Quite Go To Plan

Marcus wasn’t overspending, and he wasn’t in debt. But when we reviewed his annual totals, he was unsettled. Not guilty — just ready for change. This edition is about the quiet clarity that comes from looking back… and choosing to do things differently.

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Personal Finance Andrew Herwig Personal Finance Andrew Herwig

The Year That Changed Me

2025 was a year of massive transition — a new baby, a new home, and a new chapter as both a coach and a father. In this personal reflection, I share what changed in our finances, our family, and my business — and what I’m choosing to carry forward into 2026.

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Personal Finance Andrew Herwig Personal Finance Andrew Herwig

What's the Mission Right Now?

If you feel like you’re working hard but still falling short, the problem may not be your effort — it might be your expectations. This essay explores how to define the season you’re in, write a mission for it, and finally feel aligned again.

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Personal Finance Andrew Herwig Personal Finance Andrew Herwig

From Mine & Yours to Ours

Managing money as a couple isn’t just about combining bank accounts — it’s about navigating values, priorities, and habits together. In this edition, I break down why partnership requires a fresh approach to finances, how one couple reset their system from scratch, and what you can do to start building trust and momentum today.

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Personal Finance Andrew Herwig Personal Finance Andrew Herwig

Fund What Matters

We’re just weeks away from welcoming our second child — and our financial plan is shifting to reflect what matters most in this season. This edition shares how we’re approaching it, and how you can apply the same principles in your own life.

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Personal Finance Andrew Herwig Personal Finance Andrew Herwig

When We Work Against Ourselves

We all want to make progress—but sometimes, fear, stress, or uncertainty leads us to stall or self-sabotage. In this edition, I explore what happens when we work against ourselves, why it’s so common with money, and how to break the cycle and move forward with clarity.

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Personal Finance Andrew Herwig Personal Finance Andrew Herwig

Debt: Tool or Trap?

Debt isn’t good or bad — it’s neutral. Used wisely, it can be a lever for growth. Used blindly, it can feel like a trap. This edition explores how to align your use of debt with your goals, values, and financial future.

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Personal Finance Andrew Herwig Personal Finance Andrew Herwig

Keep Showing Up

Momentum doesn’t come from giant leaps — it comes from consistent, imperfect effort. If you’re building something that matters, keep showing up. Your future self will thank you for the persistence you put in today.

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