Shoralis Guides https://shoralis.com/guides Short, actionable guides for big financial decisions — each backed by a simulation. en Tue, 03 Nov 2026 10:53:05 GMT Renting vs buying a home: decide with a 30-year projection https://shoralis.com/guides/rent-vs-buy https://shoralis.com/guides/rent-vs-buy Is rent cheaper than a mortgage? Put the opportunity cost of your down payment, rising rents and selling costs side by side in a 30-year simulation. Sun, 01 Nov 2026 00:00:00 GMT The true cost of a car: much more than the installment https://shoralis.com/guides/true-cost-of-car-ownership https://shoralis.com/guides/true-cost-of-car-ownership Depreciation, insurance, tax, maintenance and fuel: calculate a car's real monthly price and see whether cash beats credit, or owning beats sharing. Sun, 01 Nov 2026 00:00:00 GMT How to build an emergency fund: test the 3-6 month rule in a simulation https://shoralis.com/guides/emergency-fund-guide https://shoralis.com/guides/emergency-fund-guide How big should an emergency fund be, and where should it live? Apply the 3-6 month rule to your budget and see how many months of job loss your fund survives. Sun, 01 Nov 2026 00:00:00 GMT How to ask for a raise: the numbers before and after the negotiation https://shoralis.com/guides/how-to-ask-for-a-raise https://shoralis.com/guides/how-to-ask-for-a-raise When to negotiate salary, and with which figure? Are you losing ground to inflation in real terms — and what does a 10% raise compound into over 30 years? Sun, 01 Nov 2026 00:00:00 GMT Early retirement math: does the 4% rule work for you? https://shoralis.com/guides/early-retirement-numbers https://shoralis.com/guides/early-retirement-numbers What is the 4% rule, and at what age does financial independence arrive? Savings rate, withdrawal rate and three risk scenarios — calculate your own date. Sun, 01 Nov 2026 00:00:00 GMT How do you save for a house down payment? The plan that turns your goal into months https://shoralis.com/guides/how-to-save-house-down-payment https://shoralis.com/guides/how-to-save-house-down-payment How much should a down payment be, how do you save it, and in what time? Convert your target amount into a monthly saving and see in the scenario how many months it takes to fill. Sun, 01 Nov 2026 00:00:00 GMT Debt payoff order: which debt should you pay off first? https://shoralis.com/guides/which-debt-to-pay-off-first https://shoralis.com/guides/which-debt-to-pay-off-first In which order should you pay off debts? The most expensive one first, or the smallest? See the 30-year effect of an extra payment in the simulation. Sun, 01 Nov 2026 00:00:00 GMT When should you start investing? The real cost of waiting https://shoralis.com/guides/when-to-start-investing https://shoralis.com/guides/when-to-start-investing Do you have to be "ready" to start investing? How compounding turns time into returns, and what a 5-year delay costs over 30 years — run the numbers. Sun, 01 Nov 2026 00:00:00 GMT Where do savings stay safe under inflation? Think in real returns https://shoralis.com/guides/protect-savings-from-inflation https://shoralis.com/guides/protect-savings-from-inflation Deposits, gold, foreign currency or stocks under high inflation? Think in real, not nominal, returns; test the combination in the simulation. Sun, 01 Nov 2026 00:00:00 GMT The cost of deciding to have a child: from birth to university, in numbers https://shoralis.com/guides/cost-of-having-a-child https://shoralis.com/guides/cost-of-having-a-child What is the annual and total cost of a child? See the impact on your budget and goals across three scenarios; calculate when you are ready. Sun, 01 Nov 2026 00:00:00 GMT How do you choose a loan term? The comfort of long, the gain of short https://shoralis.com/guides/choosing-loan-term https://shoralis.com/guides/choosing-loan-term The longer the term, the lower the installment and the higher the total interest. 10 years or 20? Combine with early-payoff flexibility; see it in the simulation. Sun, 01 Nov 2026 00:00:00 GMT