Free is the brief. Pro is the playbook.

What Pro unlocks

Five things that cost you money when you don't have them.

• The Thursday deep dive. 1,500–2,200 words. One topic — backdoor Roth, refi break-even, HSA strategy — fully walked through with screenshots.
• The calculator suite. Full results unlocked: Refund Router, CD Ladder, refi break-even, HSA Pace, FIRE number, Social Security claiming optimizer.
• The full archive. Every past walkthrough. Pro sees all.
• The quarterly "State of Your Money" report. What changed in rates, tax law, and policy this quarter. Three moves to make. What's coming next quarter.
• Pro-only discussion threads. Ask a question, get an answer that isn't a Reddit thread.

Who Pro is for

If you're asking "should I…" and the answer involves math, Pro is for you.

If you're wondering whether to refinance, do a backdoor Roth, max your HSA vs your Roth IRA, rebalance a drifted 401(k), or lock a CD vs a T-Bill ladder — the Thursday walkthrough is the thing. Every issue is one decision, fully worked, with scenarios at three income levels.

If you just want the weekly brief, the free list is already pretty good. No pressure.