Treasury Learn

Practical guides for every part of your financial life.

Gouache illustration of two mugs on a table with a receipt folded unevenly between them, representing splitting a shared bill fairly

How to Split Bills Fairly With Your Partner

Calculate a 50/50 or income-based bill split, compare the effect on each paycheck, and settle shared expenses with a clear worked example.

7 min readRead the guide

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Budgeting

50/30/20 Budget Rule: Examples and When to Adjust It

6 min read

AI Money Coaching

What Is an AI Money Coach? Uses, Costs, and Limits

6 min read

Money Basics

The building blocks: budgets, emergency funds, saving, and getting started.

Gouache illustration of a person from behind climbing five stone steps toward a lit doorway, representing the five basic steps of personal finance in order

Personal Finance Basics: Where to Start With Your Money

Choose your next financial step: cover bills, build a cash reserve, manage debt, check retirement benefits, and save or invest for clear goals.

7 min read

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Budgeting

Methods that stick, from zero-based to 50/30/20 — without the busywork.

Gouache illustration of a person from behind stacking five smooth stones into a steady tower, representing the five steps of building a budget

How to Budget: Build a Plan Around Your Pay and Bills

Make a budget in five steps with a worked $4,000 example, payment-date checks, and practical fixes for irregular income and nonmonthly bills.

7 min read

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How to Budget by Paycheck: A Bill-by-Bill Example

7 min read

Gouache illustration of a compass, a ledger, and an envelope arranged on a table, representing three different budgeting approaches for different habits

Best Budgeting Apps in 2026: Compare Methods and Costs

11 min read

Gouache illustration of six jars on a shelf, each holding one small object, representing zero-based budgeting where every dollar has a job

Zero-Based Budgeting: A Worked Example and Practical Guide

6 min read

50/30/20 Budget Rule: Examples and When to Adjust It

6 min read

Couples & Money

Combine finances, split bills fairly, and set goals together.

Gouache illustration of two people from behind carrying a shared basket together, representing partners managing money as a team

How to Manage Money as a Couple: Bills, Accounts, and Goals

Build a shared money plan with clear contributions, account choices, bill responsibilities, and a worked example for partners with different incomes.

7 min read

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How Couples Can Budget With Different Paydays

6 min read

How to Split Bills Fairly With Your Partner

7 min read

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How to Talk About Money With Your Partner

7 min read

Gouache illustration of three wooden boxes on a shelf, two apart and one shared, representing joint, separate, and hybrid account setups

Joint vs. Separate Bank Accounts: Compare Three Setups

7 min read

Subscriptions

Find, audit, and cut the recurring charges quietly draining your account.

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How to Track Subscriptions Across Cards and Accounts

Find monthly, quarterly, and annual subscriptions across cards and app stores, compare their true costs, and build a list you can keep current.

8 min read

How to Build a Subscription Renewal Calendar

7 min read

Gouache illustration of two teacups, one nearly empty and one overflowing, representing the gap between estimated and actual subscription spending

How Much Do You Spend on Subscriptions? Find Your Real Total

7 min read

Best Subscription Trackers in 2026: Free Tools and Paid Apps

10 min read

Gouache illustration of a person from behind snipping one thread from a woven net, representing canceling one unwanted subscription without disruption

How to Cancel Forgotten Subscriptions and Stop Renewals

7 min read

Net Worth

Track what you own minus what you owe — and grow it over time.

How to Calculate Net Worth: Assets, Debts, an Example

Calculate your net worth without double-counting home equity or missing credit-card debt. Includes a balance-sheet example and checks for consistent values.

7 min read

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Liquid Net Worth: Definition, Formula, and Example

6 min read

Gouache illustration of a hand watering two differently sized garden plots, representing that a good net worth is relative to your own situation

What Is a Good Net Worth? Compare Goals, Not Just Age

7 min read

How to Track Net Worth and Explain What Changed

7 min read

Gouache illustration of six fence posts of increasing height along a path, representing typical net worth increasing across age bands

Average Net Worth by Age: Mean and Median Fed Data

10 min read

Paychecks & Taxes

Understand your take-home pay, withholdings, and the levers that move it.

Gouache illustration of water flowing through four channels and gates into a basin, representing pay moving through taxes and deductions to net pay

Understanding Your Paycheck: From Earnings to Deposit

Check your first or changed paycheck: pay periods, earnings, taxes, benefits, split deposits, and the reliable take-home amount to use in your budget.

7 min read