From the HoneyPlan team
Practical articles on financial independence, FIRE planning, and making the most of your household cash flow.
What happens if your household suddenly needs in-home medical care? Here's how to model an $8,000/month care expense in HoneyPlan, tie it to a Scenario, color-code it, and see the long-term impact.
Read article →Gas, groceries, and just about everything else costs more than it used to. Here's how to get a real picture of where your money is going, find places to trim, and see exactly how those changes affect your long-term financial plan.
Read article →Most people stop contributing the moment they hit the company match. The math says that's a $500,000+ mistake. Here's what maxing out actually does to your paycheck — and why it's not what you think.
Read article →A $5,000 balance paid at the minimum costs over $8,000 in interest and takes 20+ years. Here's the math — and an interactive calculator to run your own numbers.
Read article →A layoff, a health crisis, caregiving, burnout — when one spouse stops working, most households discover too late exactly how load-bearing that paycheck was. Here's how to find out before it happens.
Read article →When spouses retire years apart, standard calculators fail. Here's how to map the multi-year gap between one spouse's retirement and the other's penalty-free account access — before it becomes a crisis.
Read article →Most financial plans fail the partner test — they're one person's spreadsheet that nobody else can verify. Here's how to build a plan that's transparent, auditable, and something you can actually agree on together.
Read article →The 4% rule is the most cited retirement number in personal finance. Here's how it works, where it breaks down, and why tracking passive income is a more intuitive way to know when you're ready.
Read article →A $200 extra payment per month can save tens of thousands of dollars in interest and cut years off your loan. Here's exactly how to model it — and how to weigh it against investing instead.
Read article →Learn how to set up your first household financial plan in under 10 minutes — income, expenses, and the full month-by-month projection. No account required.
Read article →In 2025 I had to decide whether I could afford to retire early — armed with a spreadsheet held together by SUMIFS and absolute references. It got me my answer, twice. Here's why it became an app instead.
Read article →