Notes
Money, explained from the inside
Short pieces that answer the questions people actually ask, each ending with a tool you can use and the chapter that goes deeper.
Five questions to ask before any money decision
Time, Cost, Risk, Incentives, Alternatives: five plain questions that work on a loan, an insurance policy, an investment or a pension, whatever the pitch.
The quiet tax: what $1,000 buys in 20 years
Inflation never sends a bill, but it takes purchasing power every year. At 3% it removes almost half of what a sum of money can buy over 20 years.
A 1% fee sounds small. Over 30 years it isn't.
Investment fees compound just like returns do. One extra percentage point on a 30-year plan can cost a fifth of the final pot.
The minimum payment trap: how $3,000 can take 15 years
Paying only the minimum on a credit card keeps the balance alive far longer than most people expect. A worked example, and the one change that fixes it.
Why a 6% flat rate is not 6%
A flat rate charges interest on the original amount for the whole loan. Here is the same $10,000 loan priced both ways, and what the real annual rate turns out to be.
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