https://pipwise.info/Plain-language guides on budgeting, debt, investing and FIRE.en https://pipwise.info/blog/50-30-20-budget-high-rent/https://pipwise.info/blog/50-30-20-budget-high-rent/Fri, 09 Oct 2026 08:00:00 GMTBudgetingWhat to do when needs take more than half of your take-home pay, with a worked example and two alternative splits. https://pipwise.info/blog/how-big-should-your-emergency-fund-be/https://pipwise.info/blog/how-big-should-your-emergency-fund-be/Fri, 09 Oct 2026 08:00:00 GMTEmergency fundThree months, six or more: how to pick an emergency fund target that fits your job, and how long it takes to build. https://pipwise.info/blog/avalanche-or-snowball-debt-payoff/https://pipwise.info/blog/avalanche-or-snowball-debt-payoff/Fri, 09 Oct 2026 08:00:00 GMTDebtPaying the highest rate first saves money. Paying the smallest balance first gives quicker wins. A worked comparison on four real-looking debts. https://pipwise.info/blog/long-term-investing-basics/https://pipwise.info/blog/long-term-investing-basics/Fri, 09 Oct 2026 08:00:00 GMTInvestingWhy starting early and keeping fees low matter more than picking winners, with the numbers worked out for $300 a month. https://pipwise.info/blog/what-is-a-fire-number/https://pipwise.info/blog/what-is-a-fire-number/Fri, 09 Oct 2026 08:00:00 GMTFIREThe 25× rule of thumb, where it comes from, what it assumes, and why your savings rate decides how fast you get there. https://pipwise.info/blog/inflation-and-your-money-plan/https://pipwise.info/blog/inflation-and-your-money-plan/Fri, 09 Oct 2026 08:00:00 GMTInvestingWhat inflation does to cash, savings and returns, how to tell nominal from real numbers, and where it fits in your plan.