Quality & cannibalization audit — 2026-07-17
Corpus: 11790 posts. Recommendations only — nothing was changed, deleted, or noindexed.
1 · Likely duplicate/overlapping pairs (title similarity ≥ 0.75) — 106 found
Merge candidates: keep the stronger URL, fold unique content in, and 301/redirect or link the weaker one.
sinking-funds↔what-is-a-sinking-fund-and-how-to-use-one(similarity 1.00)form-1099-b-explained↔form-1099-g-explained(similarity 1.00)form-1099-b-explained↔form-1099-r-explained(similarity 1.00)form-1099-g-explained↔form-1099-r-explained(similarity 1.00)counts-as-401-hardship-withdrawal↔what-counts-as-a-hardship-withdrawal-from-a-401k(similarity 1.00)what-is-a-401k↔what-is-a-401k-and-how-does-it-work-for-beginners(similarity 1.00)medicare-part-b-late-enrollment-penalty↔medicare-part-d-late-enrollment-penalty(similarity 1.00)is-it-too-late-to-start-saving-for-retirement-at-40↔is-it-too-late-to-start-saving-for-retirement-at-45(similarity 1.00)is-it-too-late-to-start-saving-for-retirement-at-40↔is-it-too-late-to-start-saving-for-retirement-at-50(similarity 1.00)is-it-too-late-to-start-saving-for-retirement-at-45↔is-it-too-late-to-start-saving-for-retirement-at-50(similarity 1.00)mobile-check-deposit↔what-is-mobile-check-deposit-and-how-it-works(similarity 1.00)secured-card-deposit-refund↔secured-card-deposit-back-when(similarity 1.00)expense-ratios↔what-is-an-expense-ratio-and-why-it-matters(similarity 1.00)balance-transfer-cards↔what-is-a-balance-transfer-and-how-it-works(similarity 1.00)checking-vs-savings↔checking-account-vs-savings-account-difference(similarity 1.00)form-1040-schedule-1-explained↔form-1040-schedule-2-explained(similarity 1.00)form-1040-schedule-1-explained↔form-1040-schedule-3-explained(similarity 1.00)form-1040-schedule-2-explained↔form-1040-schedule-3-explained(similarity 1.00)debt-consolidation↔what-is-debt-consolidation-and-how-it-works(similarity 1.00)how-often-to-check-your-score↔how-often-should-you-check-your-credit-score(similarity 1.00)net-worth↔what-is-net-worth-and-how-to-calculate-it(similarity 1.00)chapter-13-bankruptcy↔chapter-7-bankruptcy(similarity 1.00)do-i-have-to-pay-taxes-on-unemployment-benefits↔do-you-have-to-pay-taxes-on-unemployment-benefits(similarity 0.83)can-you-have-hsa-and-fsa-together↔can-i-have-both-an-hsa-and-an-fsa-at-the-same-time(similarity 0.83)how-much-do-people-actually-have-saved-for-retirement-by-30↔how-much-should-you-have-saved-for-retirement-by-30(similarity 0.83)hsa-medicare-enrollment-conflict↔can-i-contribute-to-an-hsa-if-im-on-medicare(similarity 0.83)lease-total-cost-vs-loan-total-cost↔lease-vs-loan-total-cost-comparison(similarity 0.83)checking-own-report-hurt-score↔does-checking-your-own-credit-score-actually-hurt-it(similarity 0.83)personal-loan-no-origination-fee-tradeoff↔personal-loan-origination-fee(similarity 0.80)refinancing-car-loan-remove-cosigner↔removing-cosigner-from-car-loan(similarity 0.80)credit-score-vs-report↔credit-report-vs-credit-score-whats-the-difference(similarity 0.80)dividend-etf-vs-dividend-mutual-fund↔etf-vs-mutual-fund(similarity 0.80)ira-rollover-vs-ira-transfer↔ira-transfer-vs-direct-rollover(similarity 0.80)credit-card-grace-period↔losing-grace-period-carrying-balance(similarity 0.80)credit-card-grace-period↔what-is-a-grace-period-on-a-credit-card(similarity 0.80)limit-increase-denied-what-next↔request-credit-limit-increase(similarity 0.80)whats-the-difference-between-a-copay-and-coinsurance↔what-is-a-copay-vs-coinsurance(similarity 0.80)whats-the-difference-between-a-deductible-and-a-premium↔premium-vs-deductible-whats-the-difference(similarity 0.80)high-yield-savings↔what-is-a-high-yield-savings-account-and-how-it-works(similarity 0.80)mileage-tax-deduction↔business-mileage-deduction-basics(similarity 0.80)
2 · Thinnest pages (bottom 25 by word count)
Candidates to expand, merge into a stronger page, or (owner’s call) noindex.
credit-score-vs-report— 313 wordscompound-interest— 332 words50-30-20-budget— 342 wordsgood-vs-bad-debt— 351 wordshigh-yield-savings— 357 wordshow-to-make-a-budget— 387 wordszero-based-budgeting— 391 wordsemergency-fund— 400 wordscredit-utilization-ratio— 403 wordsapr-vs-interest-rate— 418 wordscredit-card-grace-period— 418 wordshomeowners-insurance-basics— 420 wordscredit-mix— 426 wordstaxable-vs-nontaxable-income— 434 wordstax-advantaged-accounts— 435 wordsroth-vs-traditional-ira— 436 wordsauthorized-user— 438 wordsclosing-old-credit-cards— 438 wordsenvelope-budgeting— 440 wordstax-filing-status— 441 wordscapital-gains-basics— 447 wordstax-deduction-vs-credit— 447 wordstrack-monthly-expenses— 448 wordsbig-tax-refund— 450 wordsfixed-vs-variable-expenses— 451 words
3 · Anchor-text / target mismatches — 3426 found
Anchors sharing zero meaningful words with the target’s title (weak relevance signal).
- in
100-percent-financing-car-purchase: anchor “The interest rate a lender assigns” →/determines-auto-loan-apr/ - in
1031-exchange-boot-taxation: anchor “identification and closing deadlines” →/1031-exchange-timeline-rules/ - in
1099-div-fund-distributions-explained: anchor “dividend income” →/dividends-explained/ - in
1099-int-savings-account: anchor “CD was cashed out before maturity” →/cd-early-withdrawal-penalty/ - in
1099-with-wrong-information: anchor “an automated notice” →/irs-audit-start/ - in
401-auto-escalation: anchor “automatic enrollment” →/employer-401k-match/ - in
401-rollover: anchor “a new employer’s plan” →/401k-when-changing-jobs/ - in
401-rollover: anchor “they aren’t quite the same thing” →/ira-rollover-vs-ira-transfer/ - in
401-vesting: anchor “a matching contribution” →/employer-401k-match/ - in
401-vesting: anchor “market returns” →/dollar-cost-averaging/ - in
401k-blackout-period-explained: anchor “a change in provider” →/employer-changes-401k-provider/ - in
401k-cash-out-withholding: anchor “nothing has actually been distributed to you” →/401-rollover/ - in
401k-contributions-before-layoff-timing: anchor “no further contributions can follow” →/contribute-401k-after-last-paycheck/ - in
401k-contributions-before-layoff-timing: anchor “the account itself is hard to access or has already been moved” →/find-old-401k-from-past-job/ - in
401k-de-minimis-cash-out: anchor “vested balances” →/401-vesting/ - in
401k-eligibility-waiting-period: anchor “automatic enrollment” →/automate-your-savings/ - in
401k-exclude-part-time-employees: anchor “full plan eligibility” →/401-vesting/ - in
401k-force-out-provision: anchor “rolling it over” →/401-rollover/ - in
401k-force-out-provision: anchor “balance thresholds and account rules” →/leave-401k-with-former-employer-indefinitely/ - in
401k-force-out-provision: anchor “tracking down an account” →/find-old-401k-from-past-job/ - in
401k-forfeiture-where-money-goes: anchor “the departing employee’s account balance” →/unvested-401k-money-leaving-job/ - in
401k-general-purpose-loan-max-term: anchor “that kind of restructuring” →/401k-loan-refinance-reamortization/ - in
401k-hardship-withdrawal-safe-harbor-reasons: anchor “an immediate and heavy financial need” →/counts-as-401-hardship-withdrawal/ - in
401k-loan-and-hardship-withdrawal-together: anchor “Comparing the two” →/retirement-plan-loan-vs-hardship-withdrawal/ - in
401k-loan-balance-plan-terminates: anchor “a deemed distribution” →/401k-loan-offset-explained/ - in
401k-loan-if-laid-off-mid-repayment: anchor “rolling the rest of the account over” →/401-rollover/ - in
401k-loan-if-not-active-employee: anchor “rolled over into an IRA or new employer’s plan” →/401-rollover/ - in
401k-loan-leave-of-absence: anchor “a deemed distribution” →/401k-loan-offset-explained/ - in
401k-loan-leave-of-absence: anchor “suspension and catch-up policy” →/401k-loan-application-documentation/ - in
401k-loan-offset-explained: anchor “separation from the employer” →/401k-loan-repayment-after-leaving-job/ - in
401k-plan-amendment-effect-participants: anchor “matching contribution formula” →/employer-401k-match/ - in
401k-recordkeeping-fee-explained: anchor “rolling an old balance into an IRA” →/401-rollover/ - in
401k-true-up-match-payment: anchor “the plan’s own documentation” →/what-is-a-401k/ - in
401k-trustee-role-protecting-assets: anchor “sponsoring company runs into serious financial trouble” →/401k-if-employer-goes-bankrupt/ - in
403b-employer-match-mechanics: anchor “plan’s own summary plan description” →/what-is-a-401k/ - in
403b-exchange-between-vendors: anchor “annuity contracts or mutual funds” →/403b-investment-options-vs-401k/ - in
403b-loan-vs-401k-loan: anchor “vested account balance” →/401-vesting/ - in
457b-when-leaving-government-employer: anchor “other employer plans” →/401-rollover/ - in
457f-vs-457b-plan-difference: anchor “nonqualified deferred compensation” →/qualified-vs-non-qualified-retirement-plan/ - in
52-week-savings-challenge: anchor “automatic transfers” →/automate-your-savings/
Search Console
GSC verification is scaffolded in _config.yml (webmaster_verifications.google): paste the token from the HTML-tag method, uncomment, push — jekyll-seo-tag emits the meta tag. After verifying, submit https://thepennyplan.com/sitemap.xml under Sitemaps. The GSC API can later feed real query data into content decisions; until then, this audit uses structural signals only.