The maths behind the ritual.
Worked guides on one number at a time — break-even ROAS, landed cost, safe discounts, paycheck budgets, the 52-week challenge — written the way the workbooks think: a formula, an example, a verdict.
Break-even ROAS: the one number every product needs before you spend a dollar on ads
ROAS is not profit. Learn how to calculate break-even ROAS and target ROAS per product from price, COGS, shipping and fees — with a worked example and a free formula.
Ends in Break-even ROAS & Ad Budget Planner — the workbook that does this maths
Debt snowball vs avalanche: which one gets you a date — and how to pick in five minutes
Snowball pays smallest balance first, avalanche pays highest rate first. Here is what each one costs in interest and months, and a simple rule for choosing.
Budgeting by paycheck: why monthly budgets fail when you are paid every two weeks
Paid biweekly? A monthly budget breaks in the third week. Here is the paycheck budget method: assign every bill to the check that covers it and keep one safe-to-spend number.
The 52-week savings challenge, fixed: reverse it, scale it, and stop quitting in March
The classic 52-week challenge saves $1,378. Here is why most people quit by spring, the reverse version that fixes it, and how to scale it to any goal.
How to calculate landed cost per unit (and why your margin is smaller than your invoice says)
Landed cost = unit price + freight, insurance, duty, customs and fees, converted at the rate you paid. Step-by-step method with allocation by value, weight or units.
How much can you discount before you lose money? The break-even uplift, explained
A 20% discount often needs 40–80% more units just to break even. Learn the max safe discount and break-even uplift formulas before Black Friday.
The reseller death pile: how unlisted inventory quietly kills a flipping business
Bought but not listed is the most expensive stock a reseller owns. How to measure the death pile, sell-through and real profit per item on eBay, Poshmark and Depop.
How much house can you actually afford? The 28/36 rule, the cash at closing and the number lenders skip
Lenders tell you what they will lend. This is how to work out what you can carry: the 28/36 rule, real monthly housing cost with taxes, insurance and PMI, and the cash you need at closing.
Vending machine profit per machine: the four costs that turn $400 of sales into $90
How to calculate net profit per vending machine: sales minus restock, location commission, card fees and the real cost of every service visit — plus payback and when to pull a machine.
A grocery budget for a family of four that actually holds: the three numbers, and the takeaway leak
Set a weekly grocery budget for a family of four, catch the eating-out creep that hides a third of food spend, and cut food waste with three numbers checked every Sunday.
The Household Money Ritual, Lite: same formulas and verdicts, tables capped at 30 rows. E-mail in, file out — plus a note when a new guide ships.
