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Latest Articles

Car Buying

How Car Dealerships Actually Make Money (And Why It Matters to You)

Most people think dealers make a killing on the sticker price. The reality is way more interesting — and knowing it gives you a real edge at the negotiating table.

8 min read
Investing

Target-Date Funds vs Index Funds: Why I Switched

I was paying 5x the fees for worse performance. Here's exactly what I moved my 401(k) into, why, and how you can do the same thing in an afternoon.

10 min read
Investing

How to Open a 529 Before Your Baby Is Born

You don't need a Social Security number to start saving for college. Here's the trick to getting a head start before the birth certificate even exists.

6 min read
Crypto

How to Set Up a Bitcoin Sell Ladder (Lock In Profits Systematically)

Selling everything at once is a gamble. A sell ladder lets you take profits on the way up without trying to time the top. Here's how to build one.

9 min read
Car Buying

Should You Finance Through the Dealership or Your Bank?

The dealer's rate isn't always worse. Sometimes it's actually better — but there's a catch. Here's how to play both sides to get the lowest rate.

7 min read
Money Moves

How Much Car Can You Actually Afford?

The "20/4/10 rule" is a good start, but it ignores insurance, maintenance, and the opportunity cost of that money. Here's the full formula.

7 min read

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