U.S. debt and interest rates
Why Treasury Yields Are Rising
Understand why Treasury yields move, how federal borrowing fits in, and what higher yields can mean for mortgages, savings, and bonds.
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Read the Treasury yield guideFinancial education
Financial Guides and Worked Examples
Understand the choices behind your numbers. Every guide combines a reproducible example, documented assumptions, source links, and a relevant calculator you can use with your own inputs.
All Guides
Start with the question closest to your situation, review the example, then test the same decision with your own numbers.
Credit card payments
Paying More Than the Minimum on a Credit Card
See how paying more than the minimum changes principal, payoff time, and modeled interest in a transparent $100 example.
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Read the extra-payment guideCredit card payments
Minimum Payment vs Fixed Payment
Compare a declining credit card minimum with a fixed payment using the same starting balance, APR, and first payment.
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Read the payment guideDebt payoff strategies
Debt Snowball vs Debt Avalanche
Compare Snowball and Avalanche with a worked example, research context, practical tradeoffs, and a decision checklist.
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Read the strategy guideHow We Build Our Guides
We show the assumptions behind each example, distinguish educational estimates from lender statements, and link the sources used for material claims.