FeaturedNov 2, 2026·8 min read
Is an ESPP Worth It? (The Math on a 15% Discount)
Is an ESPP worth it? Usually yes: a 15% discount is a 17.6% instant gain if you sell at purchase. See the real math, the tax trap, and when to skip it.
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Matt Schuberg, CFP®Monarch Money Alternatives: 6 Picks for 2026
Monarch Money alternatives compared for 2026: Planned, YNAB, Copilot, Simplifi, Rocket Money and Empower, with real pricing and who each one actually fits.
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Matt Schuberg, CFP®How Much Rent Can I Afford on My Salary? (Real Numbers)
How much rent can you afford? Aim for 30% of take-home pay, about $1,370 a month on a $70k salary. See real numbers from $50k to $120k, and when to stretch.
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Investing
Matt Schuberg, CFP®Is an ESPP Worth It? (The Math on a 15% Discount)
Is an ESPP worth it? Usually yes: a 15% discount is a 17.6% instant gain if you sell at purchase. See the real math, the tax trap, and when to skip it.
·8 min read
Budgeting
Matt Schuberg, CFP®How Much Rent Can I Afford on My Salary? (Real Numbers)
How much rent can you afford? Aim for 30% of take-home pay, about $1,370 a month on a $70k salary. See real numbers from $50k to $120k, and when to stretch.
·7 min read
Financial Planning
Matt Schuberg, CFP®Business Owner's Money Checklist: 10 First-Year Steps
Your first-year business money checklist: separate accounts, a tax reserve, what to pay yourself, an emergency fund and insurance, from a CFP® professional.
·9 min read
Investing
Matt Schuberg, CFP®Should I Sell My RSUs When They Vest? (Usually, Yes)
Should you sell RSUs when they vest? Usually yes: you owe income tax at vest either way, so holding means buying company stock. Here's when keeping some works.
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Saving
Matt Schuberg, CFP®Are Automatic Savings Apps Worth It? (Do the Fee Math)
Automatic savings apps charge $3 to $12 a month, and on small round-ups that fee can eat 10% of what you save. Here's the math and the free way to automate it.
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Debt
Matt Schuberg, CFP®Best Debt Payoff Apps in 2026 (Free and Paid)
The best debt payoff app holds every debt and models extra payments. Compare Undebt.it, Debt Payoff Planner, YNAB and Planned on price, methods and limits.
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