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Excel vs. Google Sheets for Personal Finance: Which One Should You Use?
If You've Decided a Spreadsheet Is the Right Tool, You Still Have One More Decision to MakeBoth Excel and Google Sheets can handle budgets, debt trackers, net worth calculators, and investment dashboards. But they're not identical — and for personal finance specifically, one has meaningful advantages over the other.The Case for Microsoft Excel More powerful formulas — broader and more advanced formula library; better for complex financial modeling like Monte...
How to Calculate Your FIRE Number in Under 5 Minutes
Your FIRE Number Is Just Math. Here's How to Run It in Under 5 Minutes.Financial independence has a specific number attached to it. Not a vague "enough" — a calculated target based on your spending, your expected return, and the 4% safe withdrawal rate. Once you know your number, retirement stops being a someday goal and starts being a specific milestone with a specific timeline.Here's how to calculate it fast.Step...
Rental Property Analysis Spreadsheet: Stress-Test Any Deal
A Rental Property That "Cash Flows" on Paper Can Lose Money in Real LifeThe math looks simple: rent minus mortgage equals cash flow. But that calculation ignores vacancy, CapEx reserves, property management, maintenance, taxes, and insurance — the expenses that routinely turn paper-positive deals into real-world negatives. A proper rental property analysis accounts for all of it before you wire a down payment.This post walks through how to stress-test any...
The Real Take-Home Pay Calculator for Freelancers
Your Invoice Says $8,500. Your Bank Account Tells a Different Story.Freelancers get paid in gross. Everything else — self-employment tax, income tax, health insurance, business expenses, retirement contributions — comes out of that number before you see real take-home pay. Most freelancers have a rough sense of this. Very few have calculated it precisely.The result: lifestyle decisions made on gross revenue instead of net income. Rates set without knowing the...
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