The Penny Plan
Money questions, plainly answered.
No jargon, no sales pitch — just clear answers to the money questions people actually ask.
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The guides
Every question, plainly answered
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How Do I Start Investing With Very Little Money?
You don't need a big balance to begin. Here's how it works.
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How Does a Roth IRA Differ From a Traditional IRA?
It comes down to one question: tax now, or tax later?
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Should You Pay Off Debt or Save First?
It's rarely all-or-nothing. Here's how to weigh it.
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What Is a High-Yield Savings Account?
Why your money might be earning more sitting still.
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Is There Such a Thing as 'Good' Debt?
How to tell productive borrowing from the costly kind.
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How Much Should You Keep in an Emergency Fund?
How to size your safety net, and where to keep it.
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What's the Difference Between a Debit Card and a Credit Card?
Same swipe, very different money. Here's what actually changes.
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What Is a Credit Utilization Ratio and Why Does It Matter?
One of the biggest levers on your score, hiding in plain sight.
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Credit Score vs. Credit Report: What's the Difference?
They sound the same. They're not. Here's the difference.
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What Is Compound Interest, Really?
The simple idea that quietly grows (or shrinks) your money.
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What Is an APR and How Is It Different From an Interest Rate?
Two percentages, one loan. Here's which one to trust.
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The 50/30/20 Budget, Explained
A beginner budgeting rule you can start using today.