All guides, in one place
Real numbers, honest caveats, one page each. Every guide links to a downloadable PDF version too.
Saving & budgeting
04 liveGenerational wealth on $5–$10/day
What consistent small savings actually compound into, and the accounts that pass it on.
How much emergency fund do you need?
Sizing your cushion to your real expenses, and where to actually keep it.
The 50/30/20 budget, stress-tested
A real-numbers look at whether the classic budgeting split actually holds up.
What inflation quietly costs you
What idle cash loses in purchasing power every year, made concrete.
The real cost of lifestyle inflation
What happens to a raise if you don't plan for it before it hits your account.
Investing basics
04 liveHow compound interest actually works
Why starting early beats almost everything else with a real two-person example.
Index funds vs. individual stocks
The honest tradeoff, and what a 1% fee really costs over 30 years.
The Rule of 72
The fastest way to estimate how long money takes to double, and where it's useful.
Dollar-cost averaging, explained
What the research actually shows it protects you from and doesn't.
Diversification: how many stocks is enough?
Where the risk-reduction benefit tapers off.
Dividend investing: income vs. total return
The real tradeoff behind chasing dividend yield.
What a downturn does to a portfolio that stays invested
Staying the course vs. selling, with real numbers.
Debt & credit
02 liveAvalanche or snowball?
Which debt payoff order actually wins, simulated on a real example.
Building credit from scratch
What actually moves your score, in the order it matters.
Renting vs. buying — the real math
A worked example with real assumptions, not a meme-level answer.
How much house can you actually afford?
A debt-to-income reality check before you shop.
Retirement & tax-advantaged accounts
01 liveRoth vs. traditional IRA
Same limit, opposite tax timing — how to actually decide.
The HSA most people ignore
The triple-tax-advantaged account hiding in plain sight.
401(k) benchmarks by age
A guideline, not a verdict — how to read them right.
How Social Security actually works
And why it shouldn't be your only plan.
Tax-loss harvesting, without the jargon
What it is, and when it's actually worth doing.
Family & estate
00 live529 plans vs. custodial accounts
Two ways to invest for a kid's future, compared.
Term vs. whole life insurance
Who actually needs which, and why.
Estate planning basics
What happens to your money if you do nothing.
Behavioral
00 liveSide income vs. investing
Where extra money should go first.
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