FeaturedOct 21, 2026·8 min read
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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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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Budgeting
Matt Schuberg, CFP®Budgeting App vs Spreadsheet: Which Should You Use?
Budgeting app vs spreadsheet: a spreadsheet is free and fully yours, an app does the data entry for about $100 a year. Here's how to pick the one you'll keep.
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Taxes
Matt Schuberg, CFP®Should I Adjust My W-4 for a Smaller Refund? (The Math)
Yes, if you get over $1,000 back each year. How to adjust your W-4 for a smaller refund, what that cash is really worth, and the penalty line to stay above.
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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.
·8 min read
Budgeting
Matt Schuberg, CFP®Budgeting App vs Spreadsheet: Which Should You Use?
Budgeting app vs spreadsheet: a spreadsheet is free and fully yours, an app does the data entry for about $100 a year. Here's how to pick the one you'll keep.
·8 min read
Taxes
Matt Schuberg, CFP®Should I Adjust My W-4 for a Smaller Refund? (The Math)
Yes, if you get over $1,000 back each year. How to adjust your W-4 for a smaller refund, what that cash is really worth, and the penalty line to stay above.
·7 min read
Career & Income
Matt Schuberg, CFP®Should I Ask for a Raise or Switch Jobs? (Run the Math)
Should you ask for a raise or switch jobs? Compare your best realistic raise to the offer minus what leaving costs, like unvested match. Real numbers inside.
·8 min read
Debt
Matt Schuberg, CFP®Should I Use Savings to Pay Off Credit Card Debt?
Should you use savings to pay off credit card debt? Usually yes: keep one month of essentials in cash and send the rest to the card. See the 22% APR math.
·7 min read
Credit
Matt Schuberg, CFP®Should I Pay My Credit Card Twice a Month? (When It Helps)
Paying your credit card twice a month lowers the balance reported to the bureaus. Here's when it helps your score or saves interest, and when once is enough.
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