About

Smart Finance, Simple Concepts. Hi, I’m Ray Tucker, creator of TuckR89.com a beginner-friendly site focused on calm, plain-English explanations of personal finance and investing ideas.

The goal is to make common money topics easier to understand without hype, pressure, or “hot takes.” I focus on the language and concepts people commonly use when talking about budgeting, ETFs, dividends, compounding, and long-term investing.

Important: This website provides general educational information only and does not offer financial, legal, or tax advice. Nothing here is a recommendation, instruction, or personalized guidance.

What You’ll Learn Here

On TuckR89, you’ll find beginner-friendly content related to:

  • dividend concepts explained in simple terms
  • ETF concepts (high-level explanations, not product recommendations)
  • passive income as broad categories of ideas (no “how-to” strategies)
  • frugal finance and budgeting basics to build money awareness over time
  • compounding and long-term investing ideas (concepts, not action plans)

Everything is focused on realistic, calm explanations — not predictions, promises, or performance claims.

Who This Website Helps

This site may be a good fit if you’re:

  • new to investing vocabulary,
  • trying to understand dividends, ETFs, and compounding,
  • curious about passive income as a concept, or
  • looking for calm budgeting and saving basics.

The goal is simple: help you learn the language and ideas so you can think more clearly about money topics.

How I Approach Content

I focus on explaining concepts in plain English using widely available educational resources and clear definitions. I avoid hype, urgency, “get rich quick” framing, and short-term speculation.

Contact

Questions and feedback are welcome. Reach out here.

Please don’t include sensitive personal or financial information.

Ask Penny AI (Free)

Note: The free Penny AI chatbot explains money concepts at a high level. It can’t provide advice, recommendations, or personalized guidance. Members can unlock more depth, examples, and comparisons.

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