SwitchWize Learn
Practical guides to saving, borrowing, investing, and protecting your money. Understand the tradeoffs, then check the numbers.
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SwitchWize compared 84 savings accounts before and after the Fed's September hike. The best rates rose more than three times as much as the middle one.
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Compare Chase Ink Business Preferred and the Ramp corporate card on annual fee, rewards, software fees and payment terms, with a break-even cash back rate.
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SwitchWize tracked 87 savings accounts for 33 days after the Fed's September 16 hike. Most have not moved, and the movers averaged 0.20 points of a 0.25 point raise.
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A plain guide to loan options: personal, auto, student, mortgage, and home equity loans, plus the costly ones to avoid. See what each is for and what it costs.
A clear path through a bigger decision.
Guidebook · 19 published chapters
Where to keep your cash so it is safe and earns more: how much to hold, how CD ladders work, what FDIC insurance covers, and when Treasuries beat a bank.
Start guidebook →Guidebook · 8 published chapters
Should you move your savings to a higher-rate bank? How much you would gain, how long a top rate lasts, whether banks follow the Fed, and how to switch safely.
Start guidebook →Guidebook · 8 published chapters
How much of your bank money is insured? How joint, trust and business accounts are counted, which bank sits behind your app, and what a bank failure pays.
Start guidebook →Guidebook · 8 published chapters
Is a bank account signup bonus worth it? A plain guide to what you really earn, how it compares with savings, the tax bill, who qualifies and how to keep it.
Start guidebook →Guidebook · 12 published chapters
A plain guide to Trump accounts for children: how to claim the $1,000, who can add money, what it is invested in, how it is taxed, and what happens at 18.
Start guidebook →Guidebook · 10 published chapters
Where to keep your cash while rates are high: what each account is, why rates differ, how tax and the Fed change the answer, and how much to hold at each age.
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Freelancer income swings from $85,000 to $160,000? Compare a lender's $2,900 payment with three home prices, low-year cash flow, and reserve needs.
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A couple with $800,000 saved tests two, four and six years of care, the healthy spouse's income gap and the savings line that changes the answer.
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A worked couple compares Social Security at 62, 67 and 70, including bridge costs, spousal benefits, survivor income and earnings-test effects.
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A retirement example tests $95,000 and $110,000 budgets, health costs before Medicare, Social Security, and spending cuts after a market drop.
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A $600,000 inherited IRA, $110,000 salary and retirement in six years: compare equal withdrawals, minimums then a lump sum, and larger retirement-year draws.
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At 54, this household has $180,000 to use, a 3.25% mortgage and 11 years to retirement. Compare four choices, job-loss cash and the return that changes the result.
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A worked layoff plan compares a 12-month budget, severance, health coverage, card debt and retirement withdrawals for a couple in their late 50s.
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A 68-year-old compares keeping a long-term care policy after a premium increase with cutting daily benefits, inflation protection, or benefit years.
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A 2026 example shows when retirement may lower a Medicare surcharge, how much one retiree could save, and when to challenge a decision.
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A $520,000 home rents for $2,600, but a low mortgage does not guarantee cash flow. See the costs, sale clock and one-, three- and five-year trade-offs.
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A retired New Jersey couple compares income tax, property tax, insurance, health costs and moving expenses before choosing a Florida home.
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A $4,000 pension falls to $3,344 with a full survivor benefit. See what the reduction buys a spouse who is ten years younger.