# About
Name: Atlas
Description: Money, explained slowly. Saving, investing, housing, tax, work, family, retirement and debt, one topic at a time.
URL: https://demoatlas.superblog.click

# Navigation Menu
- Saving: https://demoatlas.superblog.click/category/saving
- Investing: https://demoatlas.superblog.click/category/investing
- Housing: https://demoatlas.superblog.click/category/housing
- Retirement: https://demoatlas.superblog.click/category/retirement
- About: https://demoatlas.superblog.click/about
- Subscribe: https://demoatlas.superblog.click/#main-leadgen-form

# Blog Posts
Each link below is the raw markdown version of a post. The full content of every post is also available in a single file: https://demoatlas.superblog.click/llms-full.txt

- [About Atlas](https://demoatlas.superblog.click/about.md): Atlas is a personal-finance publication that explains money slowly, one topic at a time.
- [The emergency fund, sized honestly](https://demoatlas.superblog.click/the-emergency-fund-sized-honestly.md): Three months of expenses is the usual advice. The right number depends on three things the advice never asks about.
- [Index funds: the whole argument in one page](https://demoatlas.superblog.click/index-funds-the-whole-argument-in-one-page.md): Why the boring option beats most of the clever ones, over any period long enough to matter.
- [Rent or buy, without the spreadsheet](https://demoatlas.superblog.click/rent-or-buy-without-the-spreadsheet.md): The answer is usually decided by one number: how long you will stay. Everything else is detail.
- [What a marginal rate actually means](https://demoatlas.superblog.click/what-a-marginal-rate-actually-means.md): A raise cannot leave you worse off. The rate on the next pound is not the rate on all of them.
- [Negotiating a raise with numbers](https://demoatlas.superblog.click/negotiating-a-raise-with-numbers.md): The conversation goes better when it is about the market and the work, and not about you.
- [The cost of a child, by year](https://demoatlas.superblog.click/the-cost-of-a-child-by-year.md): Not the headline figure. The actual shape of the spending, from the first year to the eighteenth, and where it peaks.
- [How much is enough](https://demoatlas.superblog.click/how-much-is-enough.md): A retirement number is not a target. It is a spending rate, and the spending rate is easier to think about.
- [Paying off the smallest debt first, and why it works](https://demoatlas.superblog.click/paying-off-the-smallest-debt-first-and-why-it-works.md): The mathematically wrong order is often the one that gets finished. On the snowball, the avalanche, and being a person.
- [The fee you cannot see](https://demoatlas.superblog.click/the-fee-you-cannot-see.md): Platform fees, fund fees, spreads and the cost of trading. What a "cheap" portfolio actually costs, and what to do about it.
- [Downsizing at sixty](https://demoatlas.superblog.click/downsizing-at-sixty.md): The house is the biggest asset most people have and the hardest one to spend. On what downsizing actually releases.
- [A budget that survives December](https://demoatlas.superblog.click/a-budget-that-survives-december.md): Most budgets fail in the same month. The fix is to plan for the month that breaks them, twelve months early.
- [Side income and the second tax](https://demoatlas.superblog.click/side-income-and-the-second-tax.md): The first thousand is usually free. After that, the second job comes with a second set of rules.