Short

Where it is explained in full

What a one percent fee costs over a working life. The fee is small. The share of your ending balance it takes is not. The arithmetic is short and worth seeing once, because after that you cannot unsee it.

An account is not an investment. The single most useful thing to understand about money, and the one most people were never told. The box and the thing inside the box are two different choices.

Workplace plans: the 401(k), the 403(b), and the TSP, from the first paycheck to the last. Everything a person needs to open one, fill it, hold the right things in it, avoid the traps, and carry it with them when they leave. Long on purpose, so that one page is enough.

Bonds and Treasuries: lending money, with a price that moves. A bond is a loan you make. The interest is fixed, the price is not, and the relationship between the two confuses nearly everyone the first time.

Break even and runway: two numbers every owner should be able to say aloud. How many sales before the business stops losing money, and how many months of cash are left if nothing changes. Both are simple. Both are routinely unknown.

A definition says what a thing is; it never says whether it fits you. The guides explain how it works and name the professional who confirms it for a particular person. The No Advice Disclosure.