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Financial Guides

In-depth guides to help you understand personal finance concepts and make smarter money decisions.

How to Pay Off Debt Faster: Complete Guide

Learn proven strategies to eliminate debt quickly, including the avalanche and snowball methods, and discover which approach works best for your situation.

12 min readDebt

Debt

How to Pay Off Debt Faster: Complete Guide

Learn proven strategies to eliminate debt quickly, including the avalanche and snowball methods, and discover which approach works best for your situation.

Debt Snowball vs Avalanche: Which Payoff Method Saves More?

Learn the difference between debt snowball and debt avalanche, when each works best, and how to model your payoff timeline.

Debt-to-income ratio (DTI) explained, how to calculate it fast

Learn DTI, why lenders use it, how to calculate front-end vs back-end DTI, and how to improve it.

Minimum payment trap, how long credit card debt can really take

Learn why minimum payments extend payoff time, how interest compounds, and how to set a payoff target.

Balance transfer explained, how 0% offers really work

Learn balance transfer fees, promo periods, and how to decide if transferring saves money.

Finance Basics

Finance Basics6 min

APR vs APY: What's the Difference and Why It Matters

Understand APR vs APY with clear examples, where each appears, and how compounding changes the true cost or return.

Finance Basics6 min

Net worth tracker, a simple method that does not feel like homework

Build a net worth tracker with a monthly snapshot method, categories, and a plan to make it stick.

Mortgage

Amortization Schedule Explained: Principal vs Interest Over Time

Learn how amortization works, why early payments are mostly interest, and how extra payments change the schedule.

Refinance vs Extra Payments: Which Lowers Interest Faster?

Compare refinancing a loan vs making extra payments, using break-even logic and realistic assumptions.

PMI Explained: What It Is and How to Remove It

Understand private mortgage insurance, how it's calculated, and common paths to removing it.

Mortgage Basics: Everything You Need to Know

A comprehensive guide to understanding mortgages, from types of loans to the application process and how to get the best rates.

Mortgage points, are they worth it? A break-even method

Learn what discount points are, how they change your rate, and how to compute break-even time.

Refinance break-even, how long until it pays off?

Use a simple break-even approach to decide if refinancing makes sense given closing costs and rate changes.

ARM vs fixed mortgage, how to compare without guessing

Learn how adjustable-rate mortgages work, what caps mean, and how to compare expected costs vs fixed-rate loans.

HELOC vs home equity loan, what is the difference?

Compare HELOCs and home equity loans using rate structure, flexibility, and repayment behavior.

Savings

How Much Emergency Fund Do I Need? A Simple Way to Decide

A practical method to size an emergency fund using expenses, income stability, and risk factors, with examples.

Savings rate explained, how to calculate and improve it

Learn what savings rate is, how to calculate it, and the most effective levers to increase it.

Sinking funds, how to stop random expenses from being random

Learn what sinking funds are, how to set them up, and how much to save per month for predictable surprises.

Home Buying

Home Buying10 min

House Affordability: How to Estimate Without Getting Tricked

Learn how to estimate home affordability using monthly payment, down payment, taxes, insurance, and maintenance.

Home Buying9 min

Rent vs Buy: What Actually Matters in the Decision

Learn the real drivers of rent vs buy outcomes, including time horizon, opportunity cost, and maintenance.

Home Buying14 min

Rent vs Buy: Making the Right Housing Decision

A detailed analysis of renting versus buying a home, including financial considerations, lifestyle factors, and how to calculate the break-even point.

Home Buying7 min

Closing costs explained, what you actually pay at closing

A simple breakdown of mortgage closing costs, what is negotiable, and how to estimate cash needed.

Credit

Credit Utilization Explained: How It Affects Your Score

Learn what credit utilization is, why it matters, and how to lower it without changing spending.

How credit card interest works, daily interest in plain English

Learn how revolving interest is calculated, why statement dates matter, and how to reduce interest fast.

Investing

Compound Interest Explained With Simple Examples

Understand compounding, why time matters more than rate, and how small contributions grow.

Inflation and Real Returns: Why Your Gains Might Not Be Gains

Learn the difference between nominal and real returns and how inflation changes long-term planning.

Investing18 min

Investing for Beginners: Start Building Wealth

Learn the fundamentals of investing, including compound interest, asset allocation, and how to start investing with any budget.

Income

Take-Home Pay Estimate: Simple Method Without Tax Tables

Estimate take-home pay using effective tax rate, pre-tax deductions, and benefits. Keep it simple and adjustable.

Hourly to Salary Conversion: Include Paid Time Off and Real Hours

Convert hourly to annual salary correctly by modeling paid hours, unpaid time, overtime, and PTO.

Salary to Hourly: What Is Your Real Hourly Rate?

Convert salary to an effective hourly rate using actual hours worked and unpaid overtime.

Business

ROI vs Payback Period: What's the Difference?

Learn the difference between ROI and payback period and when each metric can mislead you.

Profit Margin vs Markup: The Difference With Examples

Learn the difference between margin and markup and avoid pricing errors with examples.

Shopping

Discount Math: Why 20% Off Then 20% Off Is Not 40%

Understand discount math, stacked discounts, and effective price reduction with examples.

Cost Per Use Calculator: The Anti-Impulse Buying Framework

Use cost per use to evaluate purchases, compare alternatives, and reduce regret with simple scenarios.

Retirement

Retirement20 min

Retirement Planning: Your Complete Roadmap

Plan for a secure retirement with this comprehensive guide covering 401(k)s, IRAs, Social Security, and how much you really need to save.

Retirement6 min

401(k) match explained, how to not leave free money on the table

Learn how employer match formulas work, vesting basics, and how to set contributions safely.

Budgeting

The 50/30/20 budget, how to use it without pretending life is neat

Learn the 50/30/20 framework, how to adapt it, and when it fails, with examples.

Healthcare

Healthcare6 min

HSA explained, when it makes sense and how to use it

Learn what an HSA is, who qualifies, and how to decide contribution levels without overcomplicating it.