Notes on finance, tool development, and design.
We get a physical every year, yet we rarely give our finances a check-up. Use six metrics — debt ratio, current ratio, quick ratio, emergency fund, runway, and debt service ratio (DSR) — to see whether your financial fitness is healthy enough, and whether you can take on one more loan.
"Borrow cheap money, earn expensive returns" sounds like free money — but leverage magnifies both gains and losses. Use the calculator to compare a loan-funded lump sum vs. dollar-cost averaging, then look at the break-even return rate that decides who wins.
A daily $5 coffee could grow to nearly $180,000 in 30 years. The Latte Factor isn't about quitting coffee — it's about understanding the opportunity cost of every dollar you spend.
Buying vs. renting: hidden costs, opportunity costs, price-to-rent ratio, and a 30-year net worth simulation
How do you calculate financial freedom? 3 steps to break down the FIRE movement + a super useful retirement calculator