Employee benefits, explained in plain English.
Your health insurance, your 401(k), your retirement plan — decoded for real humans, not HR departments. No jargon, no lectures. Just what it means for your paycheck and what to do about it.
Latest articles
Picking a Health Plan? Do This Math Before You Look at the Deductible
Most people pick a health plan by deductible. That's the most expensive mistake in open enrollment. The number that matters is total yearly cost: premiums you'll definitely pay plus medical costs you might pay.
Trump Account vs. Roth IRA vs. 529: Where Should Your Kid's Money Go?
Trump Accounts are all over the news, but on taxes they finish last for most families. Here's how they compare to a custodial Roth IRA and a 529 plan — and three questions to pick the right one for your kid.
SIMPLE IRA vs. SEP IRA vs. Solo 401(k): Which Retirement Plan Fits Your Small Business?
No HR department? No problem. SEP IRA, SIMPLE IRA, and Solo 401(k) were made for small businesses — but they work very differently. Here's how each one works, who it fits, and how to pick.
Turning 65? The Medicare Choice You Can Only Make Once
If you're approaching Medicare — usually at 65, sometimes later when you retire — or helping a parent who is, here's how Medicare actually works, the two paths you can take, and the one detail that matters more than the monthly premium.
Your 401(k) Has a User Manual. Here's How to Read It in 20 Minutes.
The Summary Plan Description answers almost every 401(k) question — the match formula, vesting, fees, what happens when you leave. Here's what it is, where to find yours, and a copy-paste AI prompt that reads it for you in 20 minutes.
Beyond articles
Tools
Simple calculators that turn confusing formulas into dollar amounts — like how much employer match you're leaving behind.
Glossary
“Deductible,” “vesting,” “HDHP” — the words your benefits paperwork throws at you, translated into human.
401(k) Trends
What are thousands of real people asking about their 401(k)? Interactive charts built from 8,100+ Reddit posts, updated monthly.
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