Guides
Financial education,
plain and simple.
11 guides on budgeting, investing, credit, housing, and macro — written for people who weren't taught this in school.
Rent vs. buy: the math most people skip before making the biggest financial decision of their 20s
Renting is 'throwing money away' — except it isn't. The actual math on buying vs. renting, the break-even timeline most people ignore, and how to run the numbers for your specific situation.
Inflation is at 3%. Here's why that number tells you less than you think — and what to watch instead
The CPI headline number is everywhere. What it actually measures, why your personal inflation rate is probably different, and the one figure that changes how you think about your salary.
Your first 401k: what every option on that enrollment form actually means
The 401k enrollment email arrives, nobody explains what any of it means, and most people either skip it or guess. A plain-English walkthrough of every decision on that form.
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10+ verticals, plain English, every weekday morning. Free.
Your credit score has five ingredients. Two of them control 65% of it — and most people are focused on the wrong ones.
Credit scores aren't mysterious. FICO publishes exactly how it's calculated. Here's what's inside the number, the one timing trick that changes it in 30 days, and what not to touch.
Student loans vs. investing: the one number that tells you which to do first
Everyone says 'pay off high-interest debt before investing.' High-interest compared to what? Here's the actual math — and the number that makes the decision obvious.
What the Fed actually does — and why 12 people in a room can change your rent, your debt, and your paycheck
The Federal Reserve meets 8 times a year and votes on a number that moves every interest rate in the economy. Here's what's actually happening in that room.
The retirement account you were never told about — and why it gets more powerful the younger you open it
Most 22-year-olds have never heard of a Roth IRA. The ones who open one this year will retire with hundreds of thousands of dollars more than the ones who wait.
Understanding Your First Credit Card
Credit cards aren't free money — but used right, they're one of the most powerful financial tools available to young adults. Here's everything you need to know before you swipe.
Index Funds Explained for Beginners
You've heard 'just buy index funds.' Here's what it actually means, why they beat most professionals, and how to buy your first one.
How to Build a Budget in Your 20s (That You'll Actually Keep)
Your 20s are the decade where financial habits get locked in. Here's how to build a budget that works with your real life — not against it.