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Money basics, without the jargon

Short, practical guides that explain how money works, with today's numbers built in.

Inflation

How Inflation Works (and How It Affects Your Savings)

Inflation is the rise in prices over time. Learn how the CPI measures it, what causes it, what today's inflation rate is, and how to protect your money.

Interest Rates

APR vs. APY: What's the Difference and Which One Matters?

APR is the yearly rate without compounding; APY includes compounding. Learn when banks use each, how to convert between them, and how to compare offers.

How the Federal Reserve's Interest Rate Affects Your Money

The Fed's interest rate moves savings APYs, credit card rates, car loans and (indirectly) mortgages. Learn how, with today's federal funds rate.

Investing

What Are Treasury Bills (T-Bills)? How They Work and How to Buy Them

T-Bills are short-term loans to the U.S. government. Learn how they pay, today's 3-month T-Bill rate, how they're taxed, and how to buy them.

Saving

T-Bills vs. High-Yield Savings Accounts: Which Is Better for Your Cash?

Compare Treasury bills and high-yield savings accounts on yield, taxes, safety and access, with today's T-Bill rate and a free after-tax calculator.

What Is Compound Interest? A Simple Explanation With Examples

Compound interest is interest earned on interest. Learn how it works, the formula, the Rule of 72, and how to make it work for you instead of against you.