Genie 4 (Google DeepMind): Access, Waitlist, Pricing, and Why You Can’t Run It Locally
Google DeepMind announced Genie 4 on October 27, 2026. "Can I install it?" is a no, and "can I even use it?" is also a n...
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GPT-6.1 Terra: Real Pricing, Benchmarks, and Why You Can’t Run It Locally
OpenAI released GPT-6.1 Terra on October 26, 2026, and the short answer to "can I install it locally" is no. OpenAI hasn't pub...
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Renting vs Buying a House in 2026: The Honest Math, the Price-to-Rent Ratio, Your Break-Even Year and a Rent vs Buy Calculator (Money School, Lesson 15)
Whether it is better to rent or buy a house comes down to three numbers you can check this week: the rent for a home like the one you would ...
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How Much Do I Need to Retire? Your Own Number From Your Own Spending, the 4% Rule Honestly, Social Security, and Why Your Saving Rate Sets the Date (Money School, Lesson 14)
How much you need to retire is not a number someone can tell you; it is a number you can work out from your own spending in three steps. Ta...
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401(k) vs IRA, Roth vs Traditional: 2026 Limits, the Full Employer Match, the Order to Fund Them, and Why Cashing Out at a Job Change Costs So Much (Money School, Lesson 13)
A 401(k) is a retirement account through your employer; an IRA is one you open yourself. Both let your investments grow without being taxe...
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What Is an Index Fund? How They Work, Why Owning the Whole Market Beats Picking, What a 1% Fee Costs, and What to Do When the Market Falls (Money School, Lesson 12)
An index fund is a fund that buys every company in a market index, such as the S&P 500, in proportion to its size, instead of paying a ...
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Compound Interest Explained: $300 a Month for 40 Years vs $1,000 for 20, What One Year of Delay Costs, and a Calculator (Money School, Lesson 11)
Compound interest is interest earned on interest: each year's growth is added to the pile, and next year's growth is calculated on ...
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