From your first paycheckto your first $100k.

Practical money tools and explanations from a working banker—with the math shown.

Learn it. Run it. Keep the sources.

Start with the format that fits the question, then move between the explanation and your own numbers.

Videos for the plain-English explanation.

Calculators for your actual numbers.

Articles for assumptions and sources.

Calculators and guides.

Free tools for real money decisions.

Compare avalanche vs. snowball with exact dollars and dates.

Compare extra payments, recast, and refinance side by side.

See if a balance transfer saves money after the fee.

Where each dollar goes: checking, HYSA, CDs, Roth IRA, and the full system map.

Max Cohen

Banker · Builder · Educator

Working banker in New Hampshire. Real client conversations, every week.

Free calculators. Built for debt payoff, mortgages, transfers, and next-step decisions.

Articles and videos. Clear explanations, useful examples, and the assumptions left visible.

Based in New Hampshire. Building for normal people, not clients on retainer.

A working New Hampshire banker making practical tools and explanations—with the math shown.

How I think about money.

Interest decides the outcome.

Know who pays interest and who earns it. Then move toward the second group.

Systems beat willpower.

Good systems beat motivation. Automate the right moves.

Own things, don't just earn.

Income matters. Ownership matters more over time.

Debt breakdowns, big purchase decisions, and practical money systems without the fake drama.

Browse videos

Run your own numbers. Two minutes in, you'll know whether the way I think about money matches yours.