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Guides worth reading
All 18 guidesLong-form explanations behind the calculators, with every figure computed rather than estimated. A different selection each visit.
Mortgages9 min read
The 15-Year Mortgage Wins Until You Can Earn 8%A 15-year loan saves $322,507 in interest but costs $802.68 more every month. Invest that difference instead and the answer flips, but only above a return most people do not reliably get. Here is the exact crossover point.Mortgages8 min read
An Extra $300 a Month Saves $158,826 in Year One and $4,349 in Year 25The same extra payment is worth thirty-six times more at the start of a mortgage than near the end. Amortization explains why, and it means the decision to prepay is really a decision about timing rather than amount.Home Buying8 min read
Waiting to Save 20% Costs More Than the PMI You Are AvoidingPrivate mortgage insurance on a 5% down payment runs $190 a month and stops after about ten and a half years. Here is what it actually costs in total, when it falls away, and why the advice to wait for 20% is frequently wrong.Numbers you can trust, math you can check
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