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      <description>Every new government portal is followed by convincing fakes. Twelve checks that separate a real .gov site from an impostor — before you type your Social Security number.</description>
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      <title>Pay Off the Mortgage Early or Invest? A Framework, Not an Answer</title>
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      <description>Prepaying a mortgage earns a guaranteed return equal to your after-tax interest rate. Whether that beats investing depends on four numbers you can actually look up.</description>
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      <description>A fund that gained 50% then lost 50% did not return 0%. How compounding, inflation and fees turn a headline number into the return you actually keep.</description>
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      <description>Index funds remove the stock-picking problem and leave the cost problem. Dollar-cost averaging removes the timing problem and does nothing for your expected return.</description>
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      <title>How Big Should an Emergency Fund Be — and Where Should It Sit?</title>
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      <description>Three to six months of expenses is the standard answer, but the useful questions are which expenses count, and what the money should actually be held in.</description>
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