Start with fit, then go deeper: how to choose a money app, local-first money
management, safe CSV imports, the Monthly Close, debt cliffs, RSUs, and scenario
ripple effects.
Choosing software · 8 min read
How to Choose a Money App You'll Still Like in Six Months
Popularity is a signal, not a fit test. A plain-English way to choose a money app by the workflow you'll actually keep, the numbers you can trust, and whether you'll still open it six months from now.
Read the guide → Import workflow · 8 min read
How to Use CSV Exports Without Making a Mess
CSV exports can be a sane alternative to bank-login sync if you preview, map, deduplicate, and keep an import rhythm. Here is the workflow.
Read the guide → Decision impact · 8 min read
How a Big Purchase Can Ripple Through Retirement
A big purchase does more than lower cash today. It can change monthly cash flow, debt timing, tax assumptions, and retirement projections — sometimes a little, sometimes a lot.
Read the guide → Monthly rhythm · 7 min read
What Is a Monthly Money Close?
A monthly money close is a short household finance ritual: verify balances, import recent activity, catch stale numbers, and make the next month easier to trust.
Read the guide → Local-first money · 8 min read
Personal Finance Software Without Plaid: What You Gain and What You Give Up
A plain-English look at local-first personal finance without bank-login aggregation: the control you gain, the convenience you trade away, and how to keep imports sane.
Read the guide → Debt cliffs · 8 min read
Most Apps Track the Balance. Here’s How to Track the 0% Cliff.
A practical guide to tracking balance-transfer promo dates, clear-payment math, post-promo APR risk, and why the deadline matters as much as the balance.
Read the guide → Equity & RSUs · 8 min read
Why Unvested RSUs Should Not Be Treated Like Guaranteed Retirement Income
Unvested RSUs can matter a lot, but they are not the same as cash, vested shares, or guaranteed retirement income. Here is a safer way to model them.
Read the guide →