All guides

6 guides, newest first. Every one cites the rule or notice it came from.

The 2026 standard deduction, retirement and HSA limits, and how marginal brackets really work: the figures that set most households' tax bill.

September 1, 20267 min read

What liability, collision, comprehensive, uninsured motorist and PIP each pay for, what state minimums leave exposed, and which limits to raise.

September 1, 20267 min read

Premiums, deductibles, copays, coinsurance, networks and out-of-pocket maximums in plain English, with the arithmetic of a genuinely bad year.

September 1, 20268 min read

What goes into a FICO score, how much each factor is worth, how fast each one moves, and which common beliefs about building credit are simply wrong.

September 1, 20266 min read

Term, whole, universal and group life in plain English: who genuinely needs cover, how much, what it costs, and which products are oversold.

September 1, 20267 min read

The order to fund U.S. retirement accounts and why: employer match, HSA, Roth IRA, 401(k), taxable, with the 2026 limits and the reasoning.

September 1, 20267 min read

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