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

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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