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#BLS

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Emergency Fund Size — 3 Months or 6? BLS Job Search Data Says 4.5

BLS unemployment data, Federal Reserve emergency expense surveys, and Bankrate liquid savings reports show the standard 3-month rule under-saves for most households.

MAY 9, 2026 Read

№ 02 Personal Finance

Pay Down the Mortgage or Invest the Difference? The 30-Year Math With Real Tax Brackets

Vanguard's 1976-2024 dataset, BLS mortgage rate history, and IRS tax brackets give a precise answer. The 'certain return' framing is incomplete — here is the actual math.

MAY 9, 2026 Read

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