Writing
The questions nobody answers in plain English.
Short pieces on credit reports, fees, savings and fine print. Same ground as the workbooks, one question at a time.
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14 September 2026 · 5 min read
How long does a late payment stay on your credit report?
Seven years from the date you were late, not from the date you paid it off. Here is how to work out the exact month it drops.
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11 September 2026 · 4 min read
Which bank fees can you actually get waived?
More of them than you think, and the method is just asking. Here is which fees come off, which ones do not, and what to say on the call.
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8 September 2026 · 4 min read
Is a high-yield savings account actually worth switching to?
Your bank probably pays 0.01%. Online banks are paying around 4%. Here is what that gap is worth at your actual balance, and when it is not worth the afternoon.
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4 September 2026 · 5 min read
Why your savings account keeps resetting to the same number
You get to about six hundred dollars, something breaks, and you are back at zero. That is not a discipline problem. It is a structural one.