spending atlas

Blog

The map of your money

Simple, ready-to-use articles on budgeting, debt, saving and financial freedom.

Personal finance

The forgotten $2.1 trillion: a quiet loss in retirement accounts

A quarter of US 401(k) assets sits in forgotten accounts, while two-thirds of workers don't capture the full employer match.

· 3 min read

Finance education

Types of investments: how does each one make money?

A plain-language overview of how the main investment types, from stocks and bonds to funds and commodities, generate returns and what risks they carry.

· 3 min read

Finance education

Japan's 1989 bubble: the crash that ate an economy

Fueled by cheap credit and land collateral, Japan's bubble left decades of stagnation after it burst.

· 4 min read

Personal finance

Credit cards and car loans eat a third of income

Credit card balances, underwater cars and ever-longer auto loans are growing the debt burden.

· 3 min read

Personal finance

The biggest mistake is still not paying yourself first

Lasting lessons on automatic saving, lump-sum spending in retirement and common money mistakes.

· 3 min read

Personal finance

First-time home buyers in the US now 40

The median age of first-time US home buyers hit a record 40; higher rates raised the monthly payment on the same home by 62%.

· 2 min read

Personal finance

Who really profits from "live for today"?

When distrust of the future, the experience economy and credit cards meet, a 200-dollar monthly choice becomes a big gap over 20 years.

· 4 min read

Personal finance

Why is the first $100,000 the hardest?

The first stage of building wealth relies almost entirely on saving; after $100,000, compound growth starts carrying part of the load.

· 3 min read

Personal finance

Where Is the Legal Line in Viral Tax Hacks?

The line between tax avoidance and tax evasion in popular hacks like vehicles, home offices, kids on payroll and working vacations.

· 4 min read