About Todd
I help people stop overthinking and start building wealth through simple, repeatable habits.
My Story
I’m Todd Lincoln, and I’ve spent the last five years writing about practical wealth building on Medium. But I didn’t start out as a financial writer.
I started out as someone who knew what I should do with money, but couldn’t seem to actually do it consistently. Sound familiar?
I’d read the books. I understood compound interest. I knew index funds were the right choice. I even had a brokerage account set up. But somehow, months would go by and I’d realize I hadn’t invested anything. Again.
The problem wasn’t knowledge—it was execution. And I realized I wasn’t alone.
Why I Started Writing
After struggling with my own consistency for years, I finally figured out what worked: systems over willpower, accountability over discipline, and action over endless research.
Once I cracked the code for myself, I started writing about it on Medium. Not to teach people complex strategies or exotic investment vehicles—but to help them bridge the gap between knowing and doing.
The response was overwhelming. Thousands of people resonated with the same struggle: they knew what to do, but couldn’t make it stick.
What I Believe
I’m not a certified financial planner. What I am is someone who’s obsessed with figuring out what actually works in the real world.
Here’s what I’ve learned:
Consistency beats complexity. Simple strategies executed month after month will make you wealthy. Complex strategies that you abandon after three months won’t.
Systems beat willpower. Relying on discipline is a recipe for failure. Build systems that make good decisions automatic, and wealth building becomes inevitable.
Accountability is the missing piece. You already know enough to start building wealth. What you need is someone (or something) that won’t let you quit.
What I'm Building Now
After five years of writing and talking to thousands of readers, I kept hearing the same problem: “I love your content, but I still can’t stay consistent.”
That’s why I built Momentum—an AI accountability partner that checks in with you every week, learns your patterns, and won’t let you ghost your wealth goals.
It’s the system I wish I’d had when I was starting out. The thing that makes sure you actually do what you said you’d do.
My Mission
I want to help 10,000 people build sustainable wealth-building habits over the next five years. Not through complex strategies or get-rich-quick schemes, but through simple consistency.
Because wealth building isn’t complicated. It’s just really hard to maintain over time without the right systems and accountability.
If you’re tired of knowing what to do but not doing it—if you’re ready to finally build the habit that lasts—you’re in the right place.
My Journey
2020: Started Writing on Medium
Began sharing my journey and struggles with consistent investing. First article got 100 views—I was hooked.
2021: Launched The Investors Handbook
Created a Medium publication focused on practical wealth building. Grew to 3K+ followers in the first year.
2025: Hit 50K Monthly Readers
My writing reached over 50,000 people per month. Realized the biggest gap wasn't information—it was accountability.
2025: Building Momentum
Launched an AI accountability partner to solve the consistency problem that holds so many people back from building wealth.