Editor's pick
BankingGuide
High-Yield Savings vs CDs vs Money Market
Three accounts, one question: how soon do you need it, and what does waiting pay? On $20,000 the spread between the best and worst place to put it is $774 a year.
7 min read
Topic
Saving
Work out what your emergency fund should hold, where to keep it, and how it fills without willpower.
19 posts
Saving
Automating Savings So Willpower Is Not Involved
The transfer should land the day after payday, not the day before the next one. The same $300 a month, moved on two different dates, differs by $875 over a year.
8 min read
Saving
Where to Keep Your Emergency Fund
The account has one job: be there in a day and not lose value. What that rules out, what the yield is worth on $15,000, and why a CD you break at month five nets $64.
7 min read
Saving
Sinking Fund vs Emergency Fund: The Difference That Costs You
One is for the expenses you know are coming. The other is for the ones you do not. Two households, the same money, the same balance every month, and one of them ends December with $296.
6 min read
Editor's pick
SavingGuide
The Emergency Fund, Sized Honestly
Every article says three to six months. None of them says three to six months of what, and on one household that reading is worth $10,410. The sizing test, worked at two incomes.
11 min read
Saving
What Actually Counts as an Emergency
A $640 alternator on a nine-year-old car is not an emergency. A $340 windscreen is. The three-part test that separates them, and why it decides whether your fund survives August.
6 min read
BudgetingGuide
Sinking Funds Explained: The Budget Line Nobody Sets Up
A sinking fund turns an irregular expense into a monthly amount. Here are the nine most households need, what each one really costs, and why the total is $603.
9 min read
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