Finances

Why the CFPB starts from your own past emergencies, where the three-to-six-months rule of thumb comes in, what counts towards the fund, and how to measure it in months of your actual spending.

How to calculate your savings rate, why the answer depends on what you count as income and as saving, where the 15% and 20% rules of thumb come from, and why the trend matters more than one month.

A budget doesn't have to be a spreadsheet of fifty lines. Here's the three-part split, where it comes from, how to adapt it, and how to see whether you're keeping to it.

A step-by-step guide to putting your iPhone's health data, your food diary, and your bank statements in one history, without counting anything twice.

Cash flow is what moves through your accounts; net worth is what you'd have left if you settled up today. Here's how they differ, why you want both, and how to follow them.