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debt math.

Essays, arguments, and long thoughts for readers willing to stay with an idea a little longer.

3Essays
2Writers
2026Running
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Illustration of refinancing debt math, comparing loan payments, interest, and payoff timeline.
Financial Psychology

Debt Math: How Refinancing Can Improve Your Finances

Debt math: the role of refinancing becomes much less intimidating when you break it into simple comparisons that can lower your interest, monthly payment,…

benimoney13 MIN · AUG 7
Illustration of debt payoff math showing how extra payments reduce interest and shorten the repayment timeline
Financial Psychology

Debt Math: How Extra Payments Beat Investing Math

Debt math the impact of extra payments becomes a lot less intimidating when you see how even small extra amounts can cut interest, shorten…

benimoney13 MIN · AUG 7
Polished yellow gemstone ring in a gold setting on a reflective black surface.
Financial Psychology

Debt Math: Escape the Minimum Payment Trap and Invest

Debt math overcoming the “minimum payment” trap starts with seeing how small payments keep interest working against you—and how a few smarter moves can…

benimoney12 MIN · JUL 31