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How Car Dealerships Actually Make Money (And Why It Matters to You)

Most people think dealers profit on the sticker price. The reality is way more interesting — and understanding it means a smoother deal for everyone.

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Car Affordability Calculator

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Investing

Target-Date Funds vs Index Funds: Why I Switched

I was paying 5x the fees for worse performance. Here's exactly what I moved my 401(k) into, why, and how you can do the same thing in an afternoon.

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Crypto

How to Set Up a Bitcoin Sell Ladder

Take profits on the way up without trying to time the top.

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Car Buying

Dealership vs Bank Financing

The dealer's rate isn't always worse. Here's when each side wins.

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How to Open a 529 Before Your Baby Is Born

You don't need a Social Security number to start saving for college. Here's the trick to getting a head start before the birth certificate even exists.

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How Much Car Can You Actually Afford?

The real formula including what the 20/4/10 rule leaves out.

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Credit Score Explained: What Actually Moves the Number

Your credit score isn't random. Here's exactly what goes into it, what moves it up, what tanks it, and which common advice is actually wrong.

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