How to think about an emergency fund without a magic number
The same failed transmission is a catastrophe in one household and a bad Tuesday in another. The difference between the two is not usually…
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Used or new: how to think it through, one category at a time
The discount on a used item is genuine, and it is also a payment. You are being paid to take on some risk, to…
Read the article →Why canceling is so much harder than signing up
Subscription spending hides in plain sight for a structural reason. Each charge is small, each one is individually defensible, and they all land on…
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