What to Do With an Old 401(k) When You Change Jobs
An old 401(k) from a previous employer doesn't need urgent action, but it does need a decision. The four options, and the one that quietly costs the most.
4 min read
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Plain-English personal finance guides for people who never got taught this stuff. Budgeting, debt, saving and investing, with real numbers and no upsells.
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All articles →Should You Pay Off Your Mortgage Early?
Should you pay off your mortgage early, or invest the extra instead? The honest answer is mostly arithmetic, with a real, non-financial exception.
4 min read
How Much Should You Spend on a Car?
How much should you spend on a car? The 20/4/10 rule is a reasonable starting ceiling, but the loan term is what actually decides whether you can afford it.
5 min read
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How Many Credit Cards Should You Have?
There's no fixed correct number. How many credit cards should you have depends on what utilisation and management overhead trade off against each other.
4 min read
How to Calculate Your Net Worth (And Why It Beats Watching Your Salary)
How to calculate your net worth properly — every asset, every liability, and the honest adjustments most people skip that make the number meaningful.
4 min read
How Much House Can You Actually Afford?
Lenders approve more house than you can comfortably live with. How much house can you afford, calculated from your own budget, not the bank's maximum.
4 min read
High-Yield Savings Accounts, Explained
A high-yield savings account pays meaningfully more than a standard one for doing nothing differently. What the rate means and where the catches hide.
4 min read
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