Guides

Long-form explainers. The calculator gives you a number; the guide explains what the number actually means, where the formula comes from, and where it stops being trustworthy.

Finance

How compound interest actually works

Why the formula has that exponent, why monthly compounding beats yearly only slightly, and the rule of 72 in 60 seconds.

8 min read

Finance

The 28/36 rule, and how lenders decide what you can afford

Where the two ratios come from, why both bind, and how to tell which one is the tighter constraint for you specifically.

7 min read

Health

BMI, honestly: what it measures, what it doesn't

The 19th-century origin story, the legitimate uses, the famous failures (athletes, kids, ethnicity), and what better metrics exist.

9 min read

Sociology

Most people radically underestimate their global income percentile

A $50k salary feels middling in the US. Globally it's already top 5%. Why the intuition fails, and what the data actually says.

6 min read

Finance

The 4% rule: how much do you actually need to retire?

Where the 4% number came from (the Trinity Study), why it's debated now, and a worked example for your own retirement target.

10 min read