Why This Blog Exists and Who It Is For
John Sepulveda 
Explains why hardworking families stay stuck financially and why most advice fails before action ever begins.
Welcome to Stop the Ignorance Tax
This is not a blog about money tips.
It is not financial education.
It is not motivation.
It is not advice you can execute on your own.
This is a public reasoning archive.
It exists for one reason only.
To explain why hardworking responsible people keep running in place financially even when they are doing the right things.
If you are living paycheck to paycheck.
If you have tried budgeting.
If you have followed advice that sounded logical but collapsed under real pressure.
If you feel like you are always one setback away from falling behind.
This platform was built for you.
Why This Exists
Most financial guidance assumes margin.
It assumes spare cash.
It assumes stable income.
It assumes time to experiment.
It assumes mistakes are cheap.
That is not real life for most families.
When money is tight, the cost of a wrong decision is not inconvenience.
It is damage.
What breaks families financially is not effort or discipline.
It is system design and decision order.
The purpose of this blog is to make that visible.
What You Will Find Here
Every article published here follows the same structure.
It starts with a lived failure state.
It explains why common advice breaks under pressure.
It reframes the problem without blame.
It points toward the need for interpretation before action.
No tips.
No hacks.
No product talk.
Clarity comes first.
How This Relates to the Newsletter
Each article published here originates from the Stop the Ignorance Tax LinkedIn newsletter.
The newsletter is where ideas are introduced in real time.
This blog is where those ideas are preserved.
Think of this site as the permanent library.
The First Two Articles in This Series
To ground this platform, here are the first two pieces that launched the 2026 series.
Article 1
Why Hardworking Families Keep Running in Place Financially
This opening article established the core premise.
People are not lazy.
They are not careless.
They are trapped inside systems that punish the wrong order of decisions.
It reframed financial failure as a structural issue rather than a personal one and introduced the idea that most advice fails because it assumes conditions that do not exist.
This article is the foundation for everything that follows.
Article 2
Why Budgeting and Debt Advice Collapse When There Is No Margin
The second article addressed the frustration many people already feel but rarely hear acknowledged.
You cannot snowball debt when there is no snow.
You cannot budget your way out of a math problem created by interest pressure.
You cannot optimize a system that is already breaking.
This piece explained why advice that works on paper collapses in real life and why families feel exhausted rather than empowered after trying to follow it.
How to Use This Blog
This is not content to binge.
It is content to recognize yourself in.
If an article feels uncomfortably accurate, that is not coincidence.
It means the system you are inside has a pattern.
Patterns can be mapped.
Mapped problems can be interpreted.
Interpreted problems can be resolved in the right order.
That is the work this platform supports.
What Comes Next
New articles are published weekly and archived here.
Each one builds on the last.
Each one removes another layer of confusion.
Each one prepares you for the moment when decisions must be made without guessing.
If you are ready to stop reacting and start understanding what is actually happening in your financial life, you are in the right place.
This is where the noise stops.
This is where clarity begins.