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Money

Personal finance and the US economy, explained in plain English: taxes, retirement, credit, and the systems that move your money.

Money
Explainer

How Federal Income Tax Brackets Actually Work

The marginal system, current rates, and a plain worked example.

Money
Explainer

What Is a 401(k) and How Does It Work?

Contributions, the employer match, vesting and withdrawals.

Money
Explainer

How Your Credit Score Is Calculated

The five factors that move a FICO score, and how much each counts.

Money
Explainer

Roth vs Traditional IRA: Which One Wins

Pay the tax now or later, and how to decide.

Money
Explainer

How Compound Interest Works

Why starting early beats starting big, with a worked example.