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Roth vs. Traditional IRA: How They Work and How to Choose
An IRA is a retirement account you open yourself. The big choice is whether to pay tax on the seed now or on the harvest later.
By Evan Sanning6 min read
Personal finance in plain language
Take the mystery out of money.
Short articles and free calculators that show how taxes, interest, and budgets actually work, with your own numbers.
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All articlesHow Credit Card Interest Works (and How to Pay None)
Card interest is a taxi meter. Pay your statement in full and it never starts. Carry a balance and it runs every day, on almost everything.
By Evan Sanning5 min read
Credit card interest is charged daily on any balance you carry, but paying your full statement balance each month means you pay none. See how APR really works.
How to Make a Budget You'll Actually Stick To
There's no one right way to budget. Here are three styles, how to pick the one that fits you, and how to make it stick.
By Evan Sanning5 min read
A budget is a plan for your money before the month starts. Compare three styles, from strict categories to paying yourself first, and pick one you'll keep.
How Much Should Be in Your Emergency Fund?
An emergency fund is your financial spare tire: you hope you rarely need it, but it turns a crisis into an inconvenience.
By Evan Sanning5 min read
The rule of thumb is three to six months of expenses, but the right amount depends on your life. See how to size it, where to keep it, and how to build one.
How an HSA Works, and Why You Can Invest It
A health savings account isn't only for this year's doctor bills. It has three tax breaks, it never expires, and invested, it can grow for decades.
By Evan Sanning4 min read
An HSA has three tax breaks and, unlike an FSA, never expires. See who qualifies, how it compares to an FSA, and why investing it is the step most people miss.
Browse by topic
All topics- Spending3 articlesWhere your money goes: budgeting, cash flow, and making everyday spending work for your goals.
- Earning3 articlesMaking the most of what you bring in: paychecks, raises, and how income and taxes fit together.
- Investing4 articlesPutting your money to work: how investing grows your savings for goals a few years out and for retirement.
- Credit Cards1 articleUsing credit cards on purpose: interest, rewards, credit scores, and staying out of card debt.
- Debt2 articlesUnderstanding and paying down debt: how interest adds up, and strategies to get out from under it.
- Taxes5 articlesTaxes without the mystery: how brackets, deductions, and tax-advantaged accounts actually work.
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Money conversations are hard, so they get put off. We Learn Finance breaks money topics into simple ideas, with real numbers and calculators you can try, so you leave every article with something you can actually do.
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