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Pick the one that is you.
Every lesson here answers one question, the way I would answer it across the table, with the math shown and the source linked. Each track is written for one kind of person, because advice written for everyone is advice for no one.
60 and up
Retired or retiring soon
You have the money. The question now is whether it lasts, which account it comes out of, and what happens to it if one of you is not here....
Start here →45 to 60
Ten years out
This is the decade that decides everything, because it is the last one where saving more still moves the number. These lessons show you how...
Start here →30 to 50, W-2 income
Salaried and building
You get a paycheck, a 401(k) match, and a benefits packet nobody explained. These lessons cover the order to fill your accounts, what your...
Start here →Owners, contractors, self-employed
Business owners and 1099
Your retirement is sitting inside the company, and nobody is auditing whether it can get out. These lessons are about paying yourself, the...
Start here →Under 35
Just getting started
The decisions you make with your first few years of income matter more than any decision you make later, because they have the most time to...
Start here →How these are written
The answer comes first, in the first paragraph, so you do not have to hunt. Then the reasoning. Then a worked example with real arithmetic. Then the questions people ask next. Then the government page every figure came from, so you can check it. And every lesson ends with the question I would ask you if we were sitting together, because the point is not to read about your money, it is to decide something.
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