Everyday Money
How Much House Can I Afford?
How the 28/36 rule works, what debt to income really measures, and the ownership costs buyers forget when they compare a payment to a rent cheque.
7 min read
Guides
Money guides and explainers
Every calculator on this site answers a number. These articles answer the question behind the number: how the math works, which assumptions move the result, and where the tradeoffs sit. General information only, never advice.
Everyday Money
Avalanche vs Snowball Debt Payoff
Avalanche pays less interest and snowball pays in motivation. Here is how each method works, how big the gap usually is, and when it truly matters.
7 min read
Retirement and Income
Roth vs Traditional IRA Explained
Pay tax now or pay tax later. A plain look at income limits, the pro rata rule, RMDs, and why holding some of each is a hedge against unknown rates.
8 min read
Retirement and Income
When to Take Social Security
Claiming at 62, at full retirement age, or at 70 changes your cheque for life. How the reductions and credits work, and why break even is not the point.
8 min read
Retirement and Income
Are You Leaving 401k Match on the Table?
How employer match formulas and vesting schedules work, and the plain arithmetic of what you give up by contributing below the full match.
7 min read
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