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Broke Math

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1 in 5 students ran out of money 8 times in 10 months

Oct 21, 2026

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3 min read

1 in 5 students ran out of money 8 times in 10 months

Something that happens once is a budget problem. Something that happens every five weeks on schedule is a timing problem, and no budget fixes it.

Broke Math

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$400 and $20,000: the gap that is exactly 50x wide

Oct 14, 2026

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3 min read

$400 and $20,000: the gap that is exactly 50x wide

You owe a filing at $400 of net self-employment income. Nobody has to send you a form until $20,000. Everything in between is the gap.

Broke Math

+1

The two questions 86% of BNPL users get wrong

Oct 7, 2026

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3 min read

The two questions 86% of BNPL users get wrong

A Klarna plan has to clear three separate gates before it touches your credit score, and most plans never clear the first one.

Broke Math

+1

The $603 nobody made you count

Sep 30, 2026

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2 min read

The $603 nobody made you count

Somebody funds a national survey every year to count the money flowing toward you. Nobody runs the one pointing the other way.

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