Blog
Long-form explainers and behind-the-math guides. Deeper than what fits on a calculator page.
Money math
Jun 15, 2026 · 9 min read
Should I Refinance My Mortgage in 2026?
The break-even formula, what closing costs actually run, and the five scenarios where refi still wins in a high-rate environment.
Jun 15, 2026 · 9 min read
Cash-Out Refi vs HELOC vs Home Equity Loan
If you locked in a sub-5% rate during 2020-2022, cash-out refinance in 2026 almost always loses to a HELOC or home equity loan. The math, with worked examples.
May 31, 2026 · 7 min read
How Mortgage Amortization Actually Works
In year one at current 7% rates, 87 percent of your payment is interest. Here is the math behind the front-loading and why it matters.
May 31, 2026 · 7 min read
The 1 Percent Rule for Rental Property
A handy screening shortcut that still works in some markets and breaks completely in others. The 2026 version.
May 31, 2026 · 8 min read
Social Security: Claiming 62 vs 67 vs 70
Claiming at 62 gives you 70 percent. Waiting until 70 gives you 124 percent. Here is the break-even math.
May 31, 2026 · 6 min read
The Credit Card Payoff Math Nobody Shows You
$5,000 at 22 percent APR on minimum payments takes 22 years and costs $8,400 in interest. The fix is simple. Most people miss it.
Health and body
May 31, 2026 · 7 min read
BMI vs Body Composition
BMI was invented in 1832 to study populations, not individuals. What it measures, where it fails, and which methods work better.
May 31, 2026 · 7 min read
The Navy Body Fat Formula Explained
A tape measure and the right formula can match a $200 DEXA scan within a few percentage points. Here is why.
Around the house
May 31, 2026 · 7 min read
Cooking Measurement Myths That Ruin Recipes
A cup is not a cup. A stick of butter is not always 8 tablespoons. Your flour weighs differently depending on how you scooped it.
May 31, 2026 · 7 min read
How to Read a Paint Label and Calculate Coverage
What the numbers on a paint can actually mean, why stated coverage is optimistic, and how many gallons you really need.
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