What are you deciding?
Start with the question you actually have. We do the arithmetic, name the trade-off, and show the options that follow — not another calculator to interpret.
- What would a change cost, and what's the safest path?What a change costs, how long savings last, and the cheapest reversible test.
- What would a reduced schedule cost?What your spending floor costs in hours a week, and how many months your savings cover it.
- Compare an employment offer.Pay, hours, tail, clawback, call and the non-compete — one answer.
- Am I making a mistake with my student loans?The plan you qualify for, what it costs, and whether PSLF counts.
- Compare two locations.What the same salary is worth after state tax, and what the move costs you in contract terms.
- Is this insurance agent looking out for me?The definitions that decide whether a policy pays when you cannot do your specialty.
- What did I just sign?Open the PDF. See the clauses, the numbers and the questions worth asking.
Prefer a direct answer? Browse the questions physicians keep asking →
Kept a record with a decision tool? Your decision log lives on this device →
How a decision works
- You ask. A question in your words, not a product category.
- We do the work. Deterministic tax, loan and contract math, with the assumptions shown.
- You get a brief. The answer, what is at stake, the strongest case the numbers make, and the options that follow.
These are decision aids, not legal or financial advice. Where a professional is needed, the brief says so.