From the workbench

Read the teardown.

The explanation on paper, with the sources close at hand.

Penny and Bill investigate the price behind a sale

EP04 · Sale prices · Free workbook

Fifty percent off what?

Check the earlier price, compare the actual total and decide whether the purchase works for you. Includes the eight-page Real Deal Check.

Watch, check the math & get the workbook →

Buy now, pay later · Free workbook

Small payments. One paycheck.

Put every installment on one calendar. Download the two-page Paycheck Collision Check, with Penny’s worked example.

Get the workbook and check the math →

Penny reacts to the amount she owes with health insurance

EP02 · Policy Autopsy

Health insurance, taken apart

A free two-page worksheet, the claim calculations, and a checklist for comparing your paperwork.

Penny the piggy bank and a credit card: Follow the $100

EP01 · Plastic Surgery

How Credit Cards Actually Work

One $100 purchase, from approval to repayment.