Money is chess, not checkers — and chess has rules. Every entry here ends in a verdict, not a list of options. Tools compute yours from your actual numbers; written rules show you the reasoning.
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What should I do with my next $1,000?
Tool · 2 min
The flagship. Enter your income, debt, savings, and goals — get your exact next three moves, prioritized, with the math shown. Pawn to queen, one move at a time.
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Good move or blunder?
Tool · 90 sec
Thinking about buying something? Get a real verdict — good move, wait, or blunder — plus the true cost most people never calculate, including what the money could do instead.
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What type of spender are you?
Quiz · 90 sec
Guardian, Optimizer, Dreamer, or Firefighter. Find your money pattern, your blind spot, your biggest leak — and the one move that fixes it.
1.
The $1,000 priority ladder
5 min read
Buffer, match, debt, growth — the exact order your money should flow, why the order matters more than the amounts, and the one exception that overrides everything.
2.
Pay off debt or invest?
4 min read
The most-asked question in personal finance, answered with one comparison and three clean zones — above 10% pay it, below 5% invest it, and what to do in between.
♟ New rules are added as real users ask real questions. Want one decided? Use any tool, join the list, and reply to the weekly email with your question.