Financial Toolkit
Formulas, rules of thumb, and planning models for budgeting, investing, financial independence, debt, and housing, each with the numbers and the reasoning behind them.
Budgeting
Split and track spending against 50/30/20 and similar guidelines.
Investing
Project growth, understand returns, and get the mechanics of compounding straight.
Financial Independence
Your FI number, the 4% rule, and how far along you are.
Financial Safety
Emergency fund, liquidity, and debt load: the buffer before you invest.
Debt
Payoff math and payoff order, so a loan stops being a mystery.
Housing
Mortgage payments, loan-to-value, and rent vs buy: the numbers behind the biggest purchase most people make.