Money decisions,with the math shown.

4 things most people miss

• Mortgage80%of the original price: when to ask your lender to drop PMI.Why?Servicers must stop PMI at 78% but don't have to remind you at 80%. On a median home with 10% down, asking saves about $2,310.Back
• Credit17 yearsto clear $5,000 of card debt paying only the minimum.Why?It costs $7,811 in interest. Paying $192 a month clears it in three years instead.Back
• Taxes$704kept from a $1,000 raise, even in the 22% bracket.Why?Only the dollars above a bracket line pay the higher rate, so a raise never shrinks your take-home pay.Back
• Retirement$29,200lost to a 1% fee instead of 0.25%, on $100,000.Why?Over 20 years at 4%, the SEC's own example. Fees come out every year, and the money they take stops growing.Back

Every formula is checked against worked examples from the IRS, CFPB and SEC. All 51 checks pass. How we check