ForestMatters, LLC

Financial Education

Financial Education

In-depth guides and plain English explanations. Coming soon.

We’re building a library of honest financial education — no jargon, no hype. Topics will cover investing basics, debt strategies, retirement planning, and more. Check back soon.

What’s Coming

Topics we’re working on

Investing

  • How compound interest actually works
  • Index funds vs. actively managed funds
  • Asset allocation by age and risk tolerance
  • How to open and max a Roth IRA

Debt

  • Avalanche vs. snowball — a complete breakdown
  • When to pay off debt vs. invest
  • How interest rates affect your payoff timeline
  • Good debt, bad debt, and everything in between

Retirement

  • How much do you actually need to retire?
  • The 4% rule — what it is and what it isn't
  • Traditional vs. Roth: which account wins?
  • Sequence of returns risk, explained plainly

Financial Independence

  • What FIRE is and who it's actually for
  • Calculating your FIRE number
  • Lean FIRE, Fat FIRE, Coast FIRE — the spectrum
  • What to do after you reach financial independence

Ready to run the numbers?

While the guides are in progress, the tools are live and ready to use.

Explore the Tools