Money Guides

How Much House Can You Afford? The 28/36 Rule Explained

Learn how lenders decide what you can borrow using the 28/36 rule, and how down payment and debt change your budget.

401(k) vs Roth IRA: Which Should You Fund First?

Understand the difference between a 401(k) and a Roth IRA, and a simple order for prioritizing your retirement contributions.

When Does Refinancing Your Mortgage Make Sense?

A clear framework for deciding whether to refinance: rate drop, closing costs, break-even point, and how long you'll stay.