Personal finance, made clear

Guides to your money, in plain English

Short, honest reads on the numbers that decide where you stand. No jargon, no advice — just how it actually works.

How to know where your money actually stands

Four numbers answer "am I okay?" — what's left each month, what you owe, months of runway, and net worth. How to work out each one by hand.

Avalanche pays less interest, snowball gives the first win — and both beat minimums by thousands. Why the order you pay them changes everything.

The one number that can't be flattered: what it is, what counts, why it beats income as a scoreboard, and what a projection floor is.

Recording what happened is a different job from answering where you stand. Why tracking gets abandoned — and what a verdict is instead.

StratEQ turns your budget, debts, savings and net worth into one plain-English verdict. No card needed.

StratEQ gives you a clear read on your money. It isn't financial advice.