Blog
Plain-English articles on the math behind the calculators — what the formulas assume, where the rules of thumb come from, and when to break them.
A note on how these are written: personal finance and health advice online tends to come in two flavors — vague encouragement, or rules of thumb stated as laws of physics. These articles try for a third thing. Every piece works through actual numbers, names the research or formula it leans on, and spends real space on the situations where the standard advice fails, because those edge cases are usually where readers actually live. Each article pairs with one of the calculators, so you can run your own numbers against whatever the article claims.
Debt
Which actually gets you debt-free faster — with a worked example where the famous rivalry decides nothing at all.
The Minimum Payment TrapWhat a $5,000 balance really costs at the minimum, and the one free change that cuts years off the timeline.
Mortgages & housing
Five situations that pass the math, three that reliably fail it.
The Refinance Break-Even PointThe one number that decides a refinance, and the three mistakes that skew it.
Solar
The four numbers that decide it for your house, and what's changed in the incentive landscape.
Estimate Your Solar Payback YourselfA twenty-minute method using your own bills and a government tool — before any salesperson anchors you.
Saving & budgeting
Why "6 months" is a starting point — the factors that move your real number up or down.
The 50/30/20 Budget RuleHow it works, why it works, and the four situations where you should deliberately break it.