Guides
Plain-English explainers for the decisions behind the calculators — how the numbers actually work, and how to read them.
How to cut a car loan's costTerm, rate, and down paymentWhat to set aside for quarterly taxesThe 25–30% rule and safe harborHow websites are valuedThe multiple, and what moves itWhat an SBA 7(a) loan costsGuarantee fee, rate, and DSCRBudgeting on one incomeA realistic single-parent playbookMarginal vs effective tax rateWhy your bracket isn't what you payShort-term vs long-term capital gainsWhy holding one year changes the taxWhat is a good net worth?How to measure where you standWill my money last? The 4% ruleSafe withdrawal rates, explainedIs the 50/30/20 rule realistic?When it works and when to bend itHow much to save per monthHit any goal by its dateSDE vs EBITDAWhich earnings multiple to use when valuing a small businessWhat's a good DSCR for a rental?Plus how cash-on-cash return actually worksRent vs buy: when buying winsHow many years until buying beats rentingWhen refinancing is worth itThe break-even rule and the term-reset trapPay off the mortgage or invest?Guaranteed return vs expected return, decidedLease or buy a car?The real cost compared over the long runDebt snowball vs avalancheWhich method clears debt fasterHow big should your emergency fund be?3, 6, or 12 months — and how to decideCD ladder vs high-yield savingsWhere your cash should actually sitCoast, Barista, Lean & Fat FIREThe FIRE variants and the math behind eachRoth vs Traditional 401(k)Which one wins at your income