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
- Bank of America (BofA) Money Market Account: What to VerifyBank of America sells no consumer money market account today. What BofA offers instead, how BofA Rewards tiers and fee waivers work, and the Merrill fund trap.
- US Bank and Wells Fargo Money Market Accounts ComparedU.S. Bank sells an Elite Money Market Account; Wells Fargo calls nothing a money market account. Charters, fees, waivers and the $25,000 condition, compared.
- Zynlo and Quontic Money Market Accounts, Read ProperlyZynlo and Quontic money market accounts compared on structure, not rate: whose charter, tiers, minimums, transaction limits, and card and cheque access.
- Chase Money Market Account: What Chase Actually SellsChase lists no consumer money market account today. What it sells instead, the account-versus-fund trap at J.P. Morgan, and what to verify before opening.
- CD vs Money Market Account: Lock, Liquidity, and the SpreadA CD pays a spread for a lock; a money market account pays less for the exit. The spread the lock must earn by exit month, priced on illustrative numbers.
- Money Market Account vs Savings Account: Which for WhatUnder federal deposit rules they are one thing. What a bank changes to make one a money market account: minimums, fees, cheques, tiers, and when each fits.
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Budgeting
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