Notes

• Credit utilization: the score factor you can change in a month
  Most of your credit score moves slowly. Payment history builds over years, and account age only grows one day at a time. Credit utilization is different. I
• How big should an emergency fund be? Start with your bare-bones month
  "Three to six months of expenses" is the advice everyone repeats. It's a decent range, but it skips the most useful step: figuring out what one month actua
• The deductible break-even: is a higher deductible worth the savings?
  Raising your insurance deductible lowers your premium. That's the whole trade. The question is whether the yearly savings add up to more than the extra ris