The Million-Dollar Decade

Same monthly amount, ten-year head start — and roughly double the retirement. Why compounding isn't proportional.

6 min

The Order of Operations

Where every extra dollar should go first, ranked by guaranteed return.

8 min

The HSA Retirement Hack

The only triple-tax-free account there is — and almost nobody uses it right.

7 min

Target-Date Funds vs Index Funds

5x the fees for worse performance. Here's what I moved into.

10 min

Open a 529 Before Your Baby Is Born

The trick to starting before the birth certificate exists.

6 min

What Expense Ratios Are

The tiny number silently eating six figures of your retirement.

7 min

How to Roll Over a 401(k)

30 minutes that could save you thousands in fees.

7 min

Roth IRA vs Traditional IRA

Tax break now or tax-free later? Here's how to decide.

8 min

The 3-Fund Portfolio

The simplest way to invest that beats most professionals.

7 min

Retirement Savings by 30, 35, 40

The benchmarks and what to do if you're behind.

7 min

Employer Match: Free Money

The guaranteed 50-100% return most people leave on the table.

6 min

Dollar-Cost Averaging

Does it actually work? What the data says.

7 min

Fidelity vs Vanguard vs Schwab

The honest answer: it barely matters. But here are the differences.

7 min

ETFs vs Index Funds

Different structures, same destination. When each one makes sense.

6 min

How Bonds Work

The boring investment that protects your portfolio when stocks crash.

7 min