Resources
48 plain-English guides, 7 free calculators, and 4 honest app comparisons. Everything we wish someone had handed us.
Start here
All guides โIf you only read three, start with these.
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Embracing the Two Sides of Being Financially Ill: The Struggle and the Triumph
To be financially ill is to be in a state of awakening. On one side is the illness of ignorance. On the other is the triumph of mastery. This is how the script flips.
5 min read
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How to build wealth fresh out of college: 4 foundations for new grads
You just graduated. This is the easiest moment in your life to lay a foundation for real wealth. No old habits to break, no lifestyle creep to unwind. Here's a 4-step playbook.
8 min read
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From cap and gown to financial grown: Your first real-world budget
Your first job's offer letter says $60,000. Your take-home is closer to $3,500/month. Here's how to build a first budget that fits reality, not the offer letter.
7 min read
Quizzes
All quizzes โUnder 90 seconds each. Share your result.
How to use Spew
Step-by-step walkthroughsEvery feature explained, in the order you'll touch them.
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01
Getting started with Spew: Your first 10 minutes
5 min
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02
Connecting your bank to Spew: Plaid setup step-by-step
5 min
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03
Importing data into Spew: CSV upload and AI smart import
4 min
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04
Master the Spew monthly bill grid
5 min
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05
Using the 24-month cash flow forecast in Spew
5 min
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06
Finding and killing zombie subscriptions with Spew
4 min
Free tools
All tools โInteractive calculators. No signup. Nothing saved.
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Mortgage affordability
Max home price + monthly PITI across Conventional, FHA, VA, USDA.
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Refinance calculator
New payment, monthly savings, break-even, and cash-out options.
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Paycheck calculator
Estimate take-home pay after federal, state, and FICA taxes. All 50 states.
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Freelance rate calculator
The minimum hourly rate you need to hit a take-home target.
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Rent vs buy calculator
True monthly cost of owning vs renting, with verdict.
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Debt payoff calculator
Compare snowball vs avalanche. See your debt-free date.
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Hourly to salary converter
Convert between hourly rate and annual salary both ways.
Browse by topic
See all โ42 guides across 9 topics.
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๐งญ Getting started
Foundations for a solid financial life
5 guides โ
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๐ผ Side hustles
Real paths to extra income
14 guides โ
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๐ Investing
Index funds, IRAs, long-term wealth
6 guides โ
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๐ฐ Saving
Build up savings without lifestyle cuts
3 guides โ
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๐ป Debt
Pay down debt faster
2 guides โ
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๐ Credit
Build and protect your score
4 guides โ
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๐ Budgeting
Systems that actually stick
3 guides โ
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๐งพ Taxes
W-2, 1099, deductions, quarterlies
3 guides โ
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๐ฆ Banking
HYSAs, bank sync, the plumbing
2 guides โ
App comparisons
4 honest breakdownsHead-to-head comparisons of Spew against the other budgeting apps you're considering.
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Spew vs Copilot Money: 2026 Comparison
Spew and Copilot both auto-categorize bank transactions beautifully. Pricing, bill tracking depth, and forecasting differ. Here's how to decide.
Updated Apr 19, 2026
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Spew vs Monarch Money: 2026 Comparison
Spew and Monarch both sync to your bank and help you budget. Pricing, forecasting depth, and bill-tracking style differ. Here's how to pick the right one.
Updated Apr 19, 2026
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Spew vs Rocket Money: 2026 Comparison
Spew and Rocket Money both track bills and find subscriptions, but their pricing, depth of bank sync, and forecasting tools are very different. Here's how to choose.
Updated Apr 19, 2026
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Spew vs YNAB: 2026 Comparison
Spew and YNAB both want to change how you handle money. One uses a spreadsheet grid and cash-flow forecast, one uses zero-based envelope budgeting. Here's how to pick.
Updated Apr 19, 2026
Latest guides
All 48 guides โMost recently published.
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Side hustles
The $15-$40/hour side hustle nobody's talking about: AI data labeling
Every AI model you've heard of learned from humans labeling data. The companies behind them are hiring at $15 to $40/hour for remote, flexible work, and almost nobody is talking about it.
7 min read
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Budgeting
Set it and forget it: Automating your wealth with fintech
The financially healthy people you know aren't more disciplined. They automated their discipline 5 years ago. Here's the full setup so your money runs itself.
6 min read
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Budgeting
Average American Household Monthly Budget (2026)
In 2026, the average US household spends approximately $6,440 per month, or $77,280 per year. Here's what that breaks down to by category and how you compare.
7 min read
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Investing
Inflation's eating your salary? Outsmart the market with these moves
If your salary didn't rise at least 3% this year, you took a pay cut in real terms. Here's how to structure your financial life so inflation doesn't silently drain your wealth.
6 min read
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Getting started
How to build wealth fresh out of college: 4 foundations for new grads
You just graduated. This is the easiest moment in your life to lay a foundation for real wealth. No old habits to break, no lifestyle creep to unwind. Here's a 4-step playbook.
8 min read
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Credit
Business credit: The entrepreneur's secret weapon for funding
Your personal credit score is not your business's credit score. Building business credit unlocks financing, protects your personal finances, and looks professional. Here's the step-by-step.
6 min read
See it for yourself
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