Learn
Honest Math. Plain English.
In-depth guides for solar, EVs, heat pumps, and the personal finance decisions that support them.
Articles
Latest guides
Is Solar Worth It in Florida? The Real Math for 2026
Calculate the true ROI of solar panels in Florida with FPL, Duke, and Tampa Electric rates, net metering policy, federal ITC, and honest payback projections.
Is Solar Worth It in Colorado? The Real Math for 2026
Calculate the true ROI of solar panels in Colorado with Xcel Energy rates, Front Range sun data, federal ITC, hail risk, and honest payback projections.
Is Solar Worth It in Oregon? The Real Math for 2026
Calculate the true ROI of solar panels in Oregon with PGE and Pacific Power rates, net metering policy, federal ITC, and honest payback projections.
Is Solar Worth It in California? The Real Math for 2026
Calculate the true ROI of solar panels in California with current NEM 3.0 rules, PG&E/SCE/SDG&E rates, incentives, and honest payback projections.
Is Solar Worth It in Texas? The Real Math for 2026
Calculate the true ROI of solar panels in Texas with deregulated electricity rates, net metering gaps, federal ITC, and honest payback projections.
How to Calculate Your FIRE Number (And What It Actually Means)
The 4% rule, the 25x multiplier, and exactly how to calculate the number you need to retire early, with the math explained.
Is an Electric Car Worth It? A Pure Numbers Analysis
No opinion, just math. We ran the numbers on EV vs gas across fuel costs, depreciation, insurance, and maintenance.
Debt Avalanche vs Snowball: Which Method Saves More Money?
A data-driven comparison of the two most popular debt payoff strategies, with real numbers showing exactly what each costs.
How to Use AI for Personal Finance (Without Getting Bad Advice)
AI tools can genuinely help you plan for retirement, pay off debt, and build wealth, if you know what they're good at and where they hallucinate.
What’s Coming
What’s coming next
Solar
- Is solar worth it in New York?
- Is solar worth it in Nevada?
- Is solar worth it in New Jersey?
- Net metering explained: what it is and why it matters
Heat Pumps & Electrification
- Going gas-free: a room-by-room electrification guide
- When a heat pump doesn't make sense
- Home electrification: where to start
- The IRA heat pump tax credit explained
Electric Vehicles
- True cost of an EV vs gas car by state
- Home charging: what it actually costs
- EV tax credits: who qualifies and for how much
- Best EVs for total cost of ownership
Personal Finance
- How compound interest actually works
- The 4% rule: what it is and what it isn't
- Avalanche vs snowball: which wins mathematically
- How to calculate your FIRE number
Ready to run the numbers?
While the guides are in progress, the tools are live and ready to use.