Money Guides for Budgeting, Saving, Debt and Investing

001 Budgeting

The 50% Off Trap: What a Black Friday Discount Actually Saves

Oct 26, 2026 16 min read

002 Budgeting

Your No-Buy November Needs an Essentials List

Oct 26, 2026 16 min read

Compare a suitable whole trip: define the same visit, check needed extras, add the whole journey and compare usable options. The fare is one line.

003 Budgeting

The Cheap Flight Isn't the Cheap Trip

Oct 26, 2026 17 min read

004 Budgeting

The Free Shipping Trap: What the Extra Item Really Costs

Oct 26, 2026 18 min read

005 Budgeting

Doom Spending and Holiday Hype: Pause Before the Next Purchase

Oct 26, 2026 15 min read

A generic house sits above two equal document trays, introducing questions about an existing mortgage recast and a replacement refinance loan.

006 Debt

Recast or Refinance a Mortgage? Compare Payments, Fees and Cash

Oct 20, 2026 12 min read

Two balanced blank-document trays introduce shared and separate household banking administration, without depicting actual account access or ownership rights.

007 Banking

Joint or Separate Bank Accounts? Agree on Access Before Splitting Bills

Oct 20, 2026 12 min read

A generic compact-car silhouette sits above two equal trays holding a closed blank envelope and a closed blank folder, introducing saving and financing questions.

008 Budgeting

Save for a Car or Finance Now? Compare Cost, Timing and Cash

Oct 20, 2026 12 min read

Two equal blank report folders sit beside a small padlock and a telephone handset, illustrating access control and verification contact.

009 Banking

Credit Freeze vs. Fraud Alert: Choose the Protection You Need

Oct 20, 2026 10 min read

010 Banking

Cash Back or Travel Points? Compare What You Can Actually Use

Oct 19, 2026 12 min read

011 Debt

Debt Avalanche vs. Snowball: Interest Cost and Follow-Through

Oct 18, 2026 9 min read

012 Budgeting

Large Tax Refund vs. Adjusting Withholding in 2026

Sep 09, 2026 8 min read

013 Budgeting

Rent vs. Buy Over Five Years: A Transparent Housing Cost Model

Oct 10, 2026 8 min read

014 Investing

Pension Lump Sum vs. Monthly Annuity: Income, Longevity, and Survivor Risk

Oct 09, 2026 8 min read

015 Investing

Keep HSA Money in Cash or Invest It in 2026? A Liquidity-First Guide

Oct 08, 2026 8 min read

016 Debt

Mortgage Points vs. Zero Points: Calculate the Break-Even Before Closing

Oct 07, 2026 8 min read

017 Retirement

Roth Conversion Now vs. Later in 2026: A Marginal-Tax-Bracket Guide

Oct 06, 2026 8 min read

018 Retirement

Traditional vs. Roth IRA Contributions in 2026: A Tax-Rate Decision Guide

Oct 05, 2026 8 min read

019 Housing

15-Year vs. 30-Year Mortgage: Payment, Interest, and Flexibility Compared

Oct 04, 2026 8 min read

020 Retirement

SEP IRA vs. Solo 401(k) in 2026: A Self-Employed Contribution Guide

Oct 04, 2026 8 min read

021 Taxes

Standard Deduction vs. Itemizing in 2026: A Reproducible Tax Worksheet

Oct 02, 2026 8 min read

MoneyMaxx comparison of a 529 plan and taxable brokerage for college savings

022 Investing

529 Plan vs. Taxable Brokerage for College Savings: A 2026 Guide

Oct 01, 2026 8 min read

MoneyMaxx comparison of extra mortgage principal and investing

023 Investing

Extra Mortgage Payments vs. Investing: A Risk-Adjusted Decision Guide

Sep 30, 2026 7 min read

MoneyMaxx Social Security claiming-age decision guide

024 Retirement

Claim Social Security at 62, 67, or 70? A Reproducible Break-Even Guide

Sep 29, 2026 8 min read

MoneyMaxx comparison of a certificate of deposit and Treasury bill

025 Saving

CD vs. Treasury Bill in 2026: A Short-Term Savings Decision Guide

Sep 29, 2026 7 min read

MoneyMaxx comparison of balance transfers and personal loans

026 Debt

Balance Transfer vs. Personal Loan in 2026: Which Payoff Route Costs Less?

Sep 13, 2026 8 min read

027 Debt

48- vs. 72-Month Auto Loan: Compare Payment, Interest, and Negative-Equity Risk

Aug 24, 2026 8 min read

028 Debt

Federal Student Loan Standard vs. Income-Driven Repayment in 2026

Aug 18, 2026 8 min read

029 Investing

I Bonds vs. TIPS in 2026: Match the Inflation Tool to the Time Horizon

Aug 14, 2026 8 min read

030 Debt

401(k) Match vs. Credit-Card Payoff: A Sequencing Decision Guide

Aug 13, 2026 8 min read

031 Investing

Lump-Sum Investing vs. Dollar-Cost Averaging: A Risk-Controlled Comparison

Sep 03, 2026 8 min read

Financial planning desk with calculator, notebook, cash, and account comparison cards

032 Banking

FDIC Insurance: What $250,000 Covers—and What It Doesn't

Aug 02, 2026 10 min read

033 Saving

High-Yield Savings Account vs. Money Market Fund for Emergency Savings

Jul 26, 2026 15 min read

034 Investing

Traditional vs. Roth 401(k) in 2026: Tax-Rate Guide

Jul 22, 2026 10 min read

Overhead finance desk with credit cards, an emergency-savings jar, calculator, notebook, and comparison charts

035 Debt

Emergency Fund or Credit-Card Debt First? A Decision Guide

Jul 15, 2026 10 min read

036 Budgeting

Your First Money Map: 5 Numbers to Find

Jul 14, 2026 6 min read