Building wealth, one ingredient at a time 🥜✨

Infographic of Peanut Butter Toast from V’s Stack of Toast blog, focused on finance and mindful money. Features themes like saving, strategy, and intentional spending.

The financially responsible friend who tracks her net worth in Excel... and still splurges on overpriced coffee with zero guilt.

I don’t believe in finance bro jargon or gatekept investing advice. I believe in ETFs, emotional spending analysis, and calling out the weird psychology behind luxury, banks, and $14 carrot cake.

If you’ve ever:

  • felt scammed by a designer strap,

  • side-eyed your bank’s “loyalty,”

  • or wondered how oat milk got so expensive—

Welcome. You’re my kind of spread.

This isn’t about deprivation. It’s about understanding the game—and still choosing joy (strategically).

Because good money habits should fit into real life. Not the other way around.

Who is Peanut Butter Toast? 🥜

I should probably invest my coffee budget... but do I really want to?

.....

Long-term savings plans are like spreading peanut butter evenly—smooth and satisfying

.....

Brunch is not a luxury—it’s a toast right

.....

I should probably invest my coffee budget... but do I really want to? ..... Long-term savings plans are like spreading peanut butter evenly—smooth and satisfying ..... Brunch is not a luxury—it’s a toast right .....

Peanut Butter Toast: The Heart of It All

Visual cue for Peanut Butter Toast’s latest feature—where we expose the bank hustle and decode money like it’s gossip.

Turns out the best things in finance — and fashion — are quietly functional.

If you’re wondering what Peanut Butter Toast is all about — start here.

This is the article that says it all: the psychology of spending, the chaos of investing, and the underrated power of being boring with your money.

Not quite a finance blog. Not quite a personal spiral.
Just one sticky story about how wealth builds quietly — and so does wisdom.

▶️ Read the one that says it all

Fresh off the Toaster - Peanut Butter Toast

Peanut Butter Toast Blogs
Little Buns, Big Lessons: Why I Believed in Loss Leaders Before I Knew What They Were 🥟🧠🍕
Little Buns, Big Lessons: Why I Believed in Loss Leaders Before I Knew What They Were 🥟🧠🍕

I’ve been playing the loss leader game since steamed buns taught me capitalism. This post breaks it all down—from Costco’s $1.50 trap to birthday freebies designed to bait you with cake and leave with your dignity.

Read More →
TL;DR on Tariffs: The Chocolate Edition 🍫
TL;DR on Tariffs: The Chocolate Edition 🍫

Chocolate isn’t just food — it’s collateral damage. This is your TL;DR on tariffs: what they are, who pays (spoiler: it’s you), and why Toblerones now cost more than emotional stability.

Read More →
Set-and-Forget Investing: The Lazy Person’s Guide to Growing Money
Set-and-Forget Investing: The Lazy Person’s Guide to Growing Money

I spent two years over-researching, one year refreshing stock charts—and finally realised my super fund was winning anyway. This is the lazy, automated investment method that actually worked.

Read More →