Debt

Not all debt is the same. A high card rate is a different problem from a mortgage you could otherwise invest against.

Guides

Emergency fund rules of thumb

Three to six months of essential spending is the usual cash target. The job and the debts change it.

What order should I fund investment accounts?

A common order is match, high-interest debt, emergency cash, then tax-advantaged room, then taxable.

Pay off the mortgage or invest?

Compare the mortgage rate with the return you are willing to assume, then account for liquidity and risk.

Good debt vs. bad debt

The useful split is the interest rate and what the debt bought, not the moral label.

What to do with money after a layoff

Severance is not a bonus until essential months are covered.

Can I afford a bigger house?

Add the lasting housing cost to spending, then read the date again.