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TallyBench / Articles
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Guides, explainers, and worked examples.

Longer reads on the money and health decisions behind our calculators — with real numbers, not just rules of thumb.

HOUSING UPDATE

Mortgage Rates Stuck Near 6.5% in 2026 — What the New Housing Law Does

Rates aren't expected to move much for the rest of the year. A sweeping new housing bill became law anyway, aimed at a different problem entirely: how many homes actually get built.

July 19, 2026·7 min read
CREDIT UPDATE

Why Credit Card Rates Are Still Near 21% After Three Fed Rate Cuts

The Fed has cut its benchmark rate three times since 2025, but the average credit card still charges close to 21% — near an all-time high. Here's why, and what actually lowers your cost.

July 19, 2026·6 min read
RETIREMENT UPDATE

The New 401(k) Roth Catch-Up Rule: What Changes for High Earners in 2026

If you're 50 or older and earned more than $150,000 last year, your 401(k) catch-up contributions just lost their upfront tax deduction. Here's exactly how the new rule works.

July 19, 2026·7 min read
STUDENT LOAN UPDATE

Student Loan Repayment Changed July 2026: What RAP Means for Your Payment

SAVE, PAYE, and ICR are gone for new borrowers, replaced by two plans: RAP and the Tiered Standard Plan. Here's how each one calculates your payment, with a real worked example.

July 19, 2026·8 min read
FINANCE GUIDE

Debt Snowball vs. Avalanche: Which Payoff Method Actually Saves You More

Both methods put every spare dollar toward debt. The difference is which debt gets that dollar first — and it changes both how much interest you pay and how fast it feels like you're winning.

July 18, 2026·7 min read