Guides
Long-form reference content for the questions where the short answer is wrong. Math-driven, source-cited, and updated with each rate cycle.
APY vs APR: How They Differ and When Each Matters
3 min read
Fundamentals
A clear, math-driven explanation of the difference between APY and APR, with worked examples for savings, loans, and credit cards.
FDIC and CDIC Insurance: What Is and Is Not Covered
3 min read
Safety
A practical guide to deposit insurance in the US (FDIC) and Canada (CDIC) — coverage limits, ownership categories, and what to do if you exceed the limit.
When CDs Beat High-Yield Savings Accounts
4 min read
Strategy
CDs lock your rate; HYSAs lock nothing. The framework for deciding which is right given the rate environment, your time horizon, and liquidity needs.
How Savings Interest Is Taxed in the US and Canada
4 min read
Tax
How interest from savings accounts, CDs, money market accounts, and Treasury bills is taxed federally and at the state/provincial level, with guidance on tax-advantaged accounts.