Decision guides
The decisions that actually change your numbers.
Rent or buy, how much house, when you can retire, Roth or traditional. Each guide walks through the real math instead of a rule of thumb, and ends with a worked example you can rebuild with your own numbers.
Retirement
Home & housing
Should I rent or buy?
The pragmatic approach to the rent-vs-buy math: amortization, appreciation, and what renting the difference really earns.
How much house can I afford?
Why the lender's limit isn't a budget, and how to find the price that still leaves a life left over.
Should I pay off the mortgage early or invest the difference?
A guaranteed return vs. an expected one: how to compare extra payments against investing, with taxes included.
Saving & investing
Cars
Every guide ends the same way: model your own numbers.
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