Disclaimer

Education, not advice.

Last updated November 11, 2026

Everything on Healthy Money Daily is general information for education. It is not financial, investment, credit, tax or legal advice, and it isn't tailored to your situation. Before you make a decision about debt, savings, investments or taxes, consider talking with a qualified professional, such as a nonprofit credit counselor, a fee-only financial planner or a tax preparer.

No investment recommendations

We don't recommend, rank or pick stocks, funds, cryptocurrencies or any other investment, and nothing here is an offer to buy or sell anything. Hardaway Labs LLC is not a broker-dealer or a registered investment adviser.

Numbers change

Interest rates, prices and rules change, sometimes quickly. We link to the official source for every number so you can check the latest. A post shows the date it was published, and news posts say when their numbers were current.

Market odds are not predictions

Sometimes we mention prediction-market or futures-market odds, for example the odds traders give a Federal Reserve rate change. Those are what traders are betting at a moment in time. They are not forecasts by us, and they're often wrong.

Our own app

Hardaway Labs LLC makes Budget Shield, an iPhone budgeting app, and posts on this site mention it. Budget Shield shows forecasts based on the information you give it. It can't promise that a payment will or won't clear, and it doesn't give financial advice.

Examples

Worked examples (like interest on a sample balance) use round, made-up amounts to show the math. Your numbers will differ.

Questions

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