Every financial decision has a cost.
Most people only see half of it.
Before you choose, see the cost you haven't calculated yet.
We analyze the real trade-offs in housing and debt decisions—so you can make choices you won't regret.
Explore Decisions
Why This Matters
The difference between a good financial decision and a costly mistake often comes down to the costs you didn't see coming. We dig into the real numbers, expose the trade-offs no one talks about, and help you make decisions based on your actual situation—not generic advice.
Recent Analysis
- rent vs buy Is buying a house with high interest rates a good idea?
- mortgage Is buying mortgage points a good idea?
- mortgage The real cost of choosing a 30-year mortgage over a 15-year
- rent vs buy The real cost of renting forever instead of buying
- rent vs buy This mistake first-time home buyers make could cost you thousands
- mortgage This mistake with adjustable-rate mortgages could cost you thousands
- refinance Is refinancing your mortgage a good idea?
- refinance What nobody tells you about refinance break-even points
- mortgage Why waiting to lock your mortgage rate might cost you more than you think
- refinance Why a cash-out refinance might cost you more than you think