Benji's Blog
Plain-English guides on auto loans, mortgages, and personal loans. Real math, real numbers.
How much car can I afford on a $60k salary?
The 20/4/10 rule, what dealers won't tell you, and a worked budget — with the math written out.
7 min read
15-year vs 30-year mortgage: which saves more?
Side-by-side numbers, the interest math, and the hybrid third option most buyers don't consider.
9 min read
How extra payments shrink your loan
Why an extra $50/month is shockingly powerful, and where small extras work hardest.
6 min read
Auto loan interest rates by credit score in 2026
Typical rate ranges by FICO tier, how big the gap is in dollars, and how to bump yourself up before applying.
8 min read