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Oliver Buchannon
Enrico Scha

I spent 25 years designing the systems that make you spend. Now I teach you how to beat them.

literacy

+2

Rent vs buy in 2026, the five questions

Apr 13, 2026

•

1 min read

Rent vs buy in 2026, the five questions

Skip the opinions. Answer these five and the decision answers itself.

Enrico Scha
Enrico Scha

dark-patterns

+2

The true cost of buy now pay later

Apr 6, 2026

•

1 min read

The true cost of buy now pay later

"0% interest" is the most profitable marketing lie of the last decade.

Enrico Scha
Enrico Scha

dark-patterns

+2

The $3,000 mistake I made in my twenties

Mar 30, 2026

•

1 min read

The $3,000 mistake I made in my twenties

Why the first price you see ruins every decision after it.

Enrico Scha
Enrico Scha

literacy

+2

The real cost of financing a car

Mar 23, 2026

•

1 min read

The real cost of financing a car

Why the monthly payment is the wrong number to focus on.

Enrico Scha
Enrico Scha

saving

+2

How big should your emergency fund actually be?

Mar 16, 2026

•

1 min read

How big should your emergency fund actually be?

The "3 to 6 months" advice is wrong for most people.

Enrico Scha
Enrico Scha

saving

+2

The subscription audit that saved $340 a month

Mar 9, 2026

•

1 min read

The subscription audit that saved $340 a month

Why you're paying for services you stopped using months ago.

Enrico Scha
Enrico Scha

saving

+2

How to cut three bills in one Saturday

Mar 2, 2026

•

1 min read

How to cut three bills in one Saturday

A four-hour exercise that saves most people over $1,000 a year.

Enrico Scha
Enrico Scha

lifestyle-creep

+2

Why your raise never feels like a raise

Feb 23, 2026

•

1 min read

Why your raise never feels like a raise

The quiet tax on every pay bump you've ever had.

Enrico Scha
Enrico Scha

investing

+2

Should I pay off debt or invest? The 6% rule

Feb 16, 2026

•

1 min read

Should I pay off debt or invest? The 6% rule

One number decides the right answer for almost everyone.

Enrico Scha
Enrico Scha

subscriptions

+2

Why you should audit subscriptions every six months

Feb 7, 2026

•

1 min read

Why you should audit subscriptions every six months

The one-off cleanup doesn't work. Here's what does.

Enrico Scha
Enrico Scha

dark-patterns

+2

The credit card minimum payment trap

Jan 31, 2026

•

1 min read

The credit card minimum payment trap

Why paying the minimum keeps you in debt for 18 years.

Enrico Scha
Enrico Scha

literacy

+2

How to negotiate a raise that actually sticks

Jan 24, 2026

•

1 min read

How to negotiate a raise that actually sticks

The three mistakes that cost people thousands when they ask.

Enrico Scha
Enrico Scha

dark-patterns

+2

The supermarket psychology that makes you spend 30% more

Jan 17, 2026

•

1 min read

The supermarket psychology that makes you spend 30% more

Why your trolley always has things you didn't plan to buy.

Enrico Scha
Enrico Scha

saving

+2

The insurance auto-renewal trick

Jan 6, 2026

•

1 min read

The insurance auto-renewal trick

Why loyalty costs you more than switching.

Enrico Scha
Enrico Scha

subscriptions

+2

When to cancel a subscription vs pause it

Dec 27, 2025

•

1 min read

When to cancel a subscription vs pause it

Pausing sounds responsible. It's usually the wrong choice.

Enrico Scha
Enrico Scha

banking

+2

Your bank is paying you 0.05% and hoping you don't check

Dec 21, 2025

•

1 min read

Your bank is paying you 0.05% and hoping you don't check

The real savings rate hidden behind the headline number.

Enrico Scha
Enrico Scha

Decide Your Money

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