Articles

Vicki Robin and Joe Dominguez introduced an idea that sounds simple but quietly rewires how you think about every purchase: your money represents hours of your life. Here's the concept, why it matters, and how to use it.

Salary divided by 2,080 is a fiction — it overstates the money and understates the hours at the same time. Every deduction between your gross pay and the number that actually matters, and why each one belongs.

A $10,000 raise can be a pay cut once state tax, commute time, and housing are counted. How to compare offers across state lines without fooling yourself — and which factors the numbers can't capture.

Pure hourly math says hire out everything you earn more than. That answer is wrong, and the fix is openly a heuristic — an explicit fudge factor you can argue with beats an invisible one you can't.