Decision Guides

Expert frameworks and deep-dives into the mathematics of everyday tradeoffs.

The 5% Rule: Is Renting a Waste of Money?

We break down unrecoverable costs like property tax, maintenance, and the cost of capital to find the true breakeven point.

A mathematical look at why a 3-year-old vehicle is often the "Goldilocks" zone for your net worth.

If you commute 10 hours a week, your $50/hr job is actually paying $40/hr. Learn how to calculate the real cost of the office.

Which debt payoff strategy actually works? We compare total interest saved against the "win" frequency of small balances.