The Emergency Fund Lie (And What Actually Protects You)
7 min read|Emergency FundDebtSavings
Everyone says save 3-6 months of expenses. But if you have debt, that number is wrong. Here's what actually protects you.
Joy Casfhir
Debt
The Debt Payoff Order Nobody Talks About
7 min read|Debt PayoffDebtBudgetingFinancial Leaks
Avalanche vs snowball isn't the real debate. The order you pay off debt in matters more than the method. Here's the priority most people miss.
Joy Casfhir
Avalanche vs Snowball: Which Actually Works?
3 min read|Debt PayoffDebtFinancial Leaks
Avalanche saves more money. Snowball feels better. The real answer is whichever method you'll actually stick with long enough to finish.
Joy Casfhir
$1,000 or 3 Months? How Much Emergency Fund You Actually Need
3 min read|Emergency FundSavingsDebt
The starter fund and the full fund are different steps. Which one you need depends on whether you have debt.
Joy Casfhir