Personal Finance
Everyday money management.
- Personal Finance
Ghost Jobs: How to Tell Whether a Job Posting Is Real
About one in five postings is advertised with no intention of hiring, not the one in three usually quoted. What the two figures actually measure, and seven checks that take two minutes.
Sep 10, 2026 - Personal Finance
How Long Can You Afford to Job Hunt?
Your runway is liquid savings divided by what you spend while searching, and that is not your current spending. What changes, what unemployment covers, and why quitting costs about a third of it.
Sep 10, 2026 - Personal Finance
Laid Off? How Severance, Unemployment and Your 401(k) Are Taxed
Severance is withheld at a flat 22% that is often too little, unemployment benefits are taxable with nothing withheld, and cashing out a 401(k) costs about a third. What each one does to the bill.
Sep 10, 2026 - Personal Finance
How Many Job Applications Does It Take to Get an Interview?
About 24 applications per interview with a resume rewritten for the posting and about 48 without, from 139,927 logged applications. What moves the rate, and how to work out your own.
Sep 10, 2026 - Personal Finance
How Much Side Income Buys a Year of Early Retirement?
How much side income it takes to retire years earlier, what self-employment tax leaves you to save, and why income that survives your resignation is worth more than the same money banked.
Sep 10, 2026 - Personal Finance
Do You Need an LLC for a Side Hustle?
A single-member LLC is disregarded for tax, so it changes nothing about what you owe. What it does change, what it costs to keep, and the profit level at which an S corporation election starts to pay for itself.
Aug 25, 2026 - Personal Finance
Quarterly Estimated Taxes: When Side Income Has to Be Paid Early
Paying in full by April is not enough, because the system cares when you paid. The four dates, the prior-year safe harbour that fixes the amount in advance, and the withholding trick that repairs a year you have already got wrong.
Aug 19, 2026 - Personal Finance
How Much Income Do I Need to Support Another Child?
The salary a second child needs, what it costs each month, why it is cheaper than the first, and the childcare years that decide the answer. With a calculator that prices those years rather than the average.
Aug 12, 2026 - Personal Finance
Side Hustle Taxes: What You Keep From Freelance Income
Self-employment tax is 15.3%, it starts at $400 of profit, and nobody withholds it. Work out what stays in your account after both taxes, including the salary effect that cuts the rate to 2.9%.
Aug 4, 2026 - Personal Finance
How Much Salary Do I Need to Afford a $700k House?
What a $700,000 house costs every month once upkeep is counted, the income a lender wants at 20%, 10% and 5% down, and the reserve test no affordability calculator runs.
Jul 15, 2026
