A Tech Dad's Money Story

Who I Am

I'm Brice Holland — a technology consultant and entrepreneur based in Sacramento, California. I've spent 15+ years building software, managing servers, launching products, and helping other people do the same through my agency, Plus One Web. My portfolio spans multiplayer games, e-commerce stores, SaaS platforms, and local service websites. I build things for a living — and I genuinely love it.

But this site isn't about tech. It's about something I'm still figuring out: money. More specifically — money as a dad.

My Story with Money

Growing up, money was the thing nobody talked about but everybody stressed over. I didn't grow up with a financial education — I grew up watching adults argue about bills and learning, mostly by accident, that money was something to worry about rather than something to understand.

In my twenties, I did what a lot of tech people do: I earned decent money and spent most of it. No real savings strategy. No investments. I figured if I kept building skills and shipping products, the money would sort itself out. And for a while, it kind of did — until it didn't.

Becoming a dad was the thing that broke that cycle. Not because I suddenly had less money (though yeah, kids are expensive), but because I suddenly had a reason to think long-term. For the first time in my life, I wasn't just building for next month — I was thinking about years from now. Decades from now. What kind of foundation am I leaving?

That question changed everything. I started actually learning about the stock market instead of just hearing about it. I started treating side projects not just as creative outlets but as potential income streams. I started thinking about cash flow — real cash flow — in a way I never had before.

The Dad Shift

Here's what nobody tells you about dad finances: it's not just about having less disposable income. It's a complete mental rewiring. You start thinking in terms of:

• Protection first — Emergency funds, insurance, and “what if” planning become real instead of theoretical.
• Time scarcity — You can't hustle 80 hours a week anymore. Every hour spent working is an hour not spent with your kid. So the money you do make has to work harder.
• Legacy thinking — You start caring about compound interest not because of some finance bro podcast, but because you realize your kid will be 18 in what feels like next week.
• Practical over flashy — Index funds over meme stocks. Consistent income over viral hustle culture. Boring works when tiny humans depend on you.

What This Site Is

DadCashFlow is my public notebook. It's where I write about what I'm learning — from opening my first brokerage account and figuring out what an ETF actually is, to evaluating which side hustles are actually worth a dad's limited time, to sharing articles and stories that make me think differently about money.

I'm not a financial advisor. I'm not a guru. I'm a software engineer who builds websites for a living and is trying to get smarter about money — and I figured I might as well write it down in case it helps someone else in the same boat.

If you're a dad who's ever stared at a brokerage app and thought “I should probably understand this,” or wondered whether that side hustle idea is worth pursuing, or just wanted to read something honest about money that isn't trying to sell you a course — you're in the right place.

The Tech Connection

My day job is building technology — React apps, Node.js servers, cloud infrastructure, AI-powered tools. I run Plus One Web, a web development agency with 15+ live sites across gaming, e-commerce, photography, and local services. I've worked with Fortune 500 teams and bootstrapped my own products from zero.

That background shows up here. When I evaluate a side hustle, I think about it like a product — what's the ROI, what's the time investment, does it scale? When I look at the stock market, I approach it like debugging a system — what are the inputs, what are the patterns, where are the risks?

Tech gave me the tools to build things. Fatherhood gave me the reason to build wealth. This site is where those two things meet.