GetGuac Academy
Fresh perspectives on everyday money.
Read practical articles about spending habits, shopping costs, refunds and everyday savings. Choose a topic, then explore the ideas behind your next decision.
Articles
Explore money topics through practical explanations and everyday examples.
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New to this? Read these three, in order.
How to budget with the 50/30/20 ruleOne simple split of your paycheck can replace a spreadsheet full of categories you'll never track.Size your emergency fund for real lifeThree to six months of expenses — but the right number depends on your specific situation.Understand what moves your credit scoreTwo factors drive most of your score — and you can improve both without closing a single card.
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All 31 articles →Pick the thing you are dealing with.
Saving
8 articlesBuild the cushion first, then grow it.
→Small spending changes, more room for life→Compare bills with confidence: prices, terms and tradeoffs→Size your emergency fund for real lifeShopping
7 articlesSpend the same money and keep more of it.
→Make a grocery list that saves effort and waste→Let your receipts reveal where your money goes→Review your subscriptions and stop paying for the unusedReceipts
3 articlesWhat to keep, what to bin, and for how long.
→How long should you keep each receipt?→Find the receipts hiding in your email→Keep receipts searchable: paper, digital and backupsDebt
3 articlesPayoff order, credit scores and what interest costs.
→Choose a debt payoff plan: avalanche or snowball→Understand what moves your credit score→Judge debt by its purpose, rate and total costTaxes
3 articlesThe deductions and records people leave behind.
→Understand an HSA’s tax benefits and receipt records→Check sales tax before the receipt surprises you→Keep the receipt records that matter at tax timeInvesting
3 articlesThe boring approach that usually wins.
→See how compound interest builds over time→Understand index funds, diversification and fees→Learn dollar-cost averaging: a schedule instead of market timingRetirement
2 articlesEmployer matches and which account to use.
→Understand your 401(k) and employer match→Compare Roth and Traditional IRAs through the tax timingHome
1 articleRenting, buying and the maths behind both.
→Compare renting and buying with the full costsFamily
1 articleSaving for education without locking yourself in.
→Plan college savings with a 529 accountPut what you learn into practice.
Explore your budget, work toward a goal and keep your money decisions connected.
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