A field notebook for backpackers who already know the difference between denier and DCF. Each note is researched, drafted, and stress-tested against the conditions it claims to survive.
A few pieces caught our attention this season. We tested each on real trail, in real weather, with a real pack — then wrote down what we wish someone had told us before we paid for them. Notes follow, plates and margins included.
Plate 01 The SECURE 2.0 Act changed the math on college savings. Here's an honest decision framework for parents choosing between a 529 plan and a Roth IRA — sorted by state tax deduction, income, and how likely your kid actually is to use the money for school.
Plate 02 A hands-on comparison of the four leading budgeting apps after Mint's shutdown — so you can pick the right tool for your money system, not just the one with the best marketing.
Plate 03 Coast FIRE is the milestone where your existing retirement savings—left alone—will grow to fund your retirement without another dollar of contributions. Here's how to calculate it and decide if you're there yet.
Plate 04 Type in a monthly amount, watch decades of math unfold. This plain-language guide shows exactly how compound interest works — and where to put your money so it actually compounds.
Plate 05 Two proven strategies — the debt snowball and debt avalanche — can help you pay off everything you owe faster and for less money. Here's how to choose the right one for you and build a plan that actually sticks.
Plate 06 A Health Savings Account offers three layers of tax advantage that no other account can match. Here's how to turn yours into a retirement weapon.
Plate 07 The classic personal finance debate, finally resolved with actual math. Enter your mortgage rate, tax bracket, and risk tolerance to find out which path builds more wealth.
Plate 08 Choosing between a Roth and Traditional 401(k) comes down to one question: will your tax rate be higher now or in retirement? This guide shows you the math and the decision rules.
Plate 09 If you max out your 401(k) too early in the year, you might accidentally forfeit your employer match. Here's how to calculate the right per-paycheck percentage so you capture every dollar your employer offers.
Plate 10 Figure out what you can truly afford — not just what a lender will approve — using the 28/36 rule and a plain-language walkthrough of the math.
Every note starts on trail. We carry the gear in the conditions it claims to survive, document the failure modes when they happen, and write down what we wish we’d known before we paid for it.
Citations are inline and named — REI test reports, OutdoorGearLab teardowns, Section Hiker mile-by-mile journals, the backcountry guides who told us what to fix. If a claim isn’t sourced, it didn’t make it past the draft.
Corrections live at /corrections. Methodology in detail at /methodology.