Personal finance, without the fog
Money math you can check.
Clear guides and free calculators for the decisions that shape your money. Every number is computed, sourced and dated — or it doesn’t run.
Choose your next move
Start where you are.
Three practical paths through the noise — each built around an action you can take today.
Escape paycheck-to-paycheck
The five-step sequence and the half-month buffer that creates real timing slack.
Pay off debt, optimally
Avalanche versus snowball, tested with the numbers — plus a calculator for your debts.
Let compounding do the lifting
See what time, contributions, returns and fees each add to the final balance.
Fresh from the desk
Latest articles
- Treasury Bills vs Money Market Funds and AccountsT-bills set against money market funds and money market accounts: who backs each, how the yield is set, getting money out, minimums, fees and state tax.
- Are I Bonds FDIC Insured? Safety, Value and the Real RisksNo: an I bond is not a bank deposit, so the FDIC does not insure it. What backs it instead, why its dollar value cannot fall, and the risks that remain.
- Where to Buy I Bonds and How: TreasuryDirect, Limits, GiftsNew I bonds are sold only in TreasuryDirect: $25 to the penny, up to $10,000 a year per SSN. How to buy, how gift bonds are delivered and counted, and ID.me.
- Edward Jones CD Rates: Fees, Interest and Selling EarlyHow Edward Jones sells brokered CDs through its advisors: where its CD rates are posted, what the firm is paid, why interest is paid out, and selling early.
- Charles Schwab CD Rates: Brokered CDs, Fees and ExitsHow Schwab shows CD rates and what its brokered CDs cost: no added charge on new issues, $1 a CD online on the secondary market, opt-in rollover, early sales.
- American Express CD Rates: Terms, Penalties and RenewalWhere American Express publishes its CD rates, and what its CD Schedule says: no minimum, daily compounding, a 90- to 540-day penalty and automatic renewal.
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Seven calculators turn abstract advice into a plan you can inspect. Nothing is stored.
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Budgeting
Build a plan that survives real life.
Saving
Emergency funds, cash and better habits.
Debt
Payoff decisions without the sales pitch.
Investing basics
Long-term mechanics, plainly explained.
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