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debt

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

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

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

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

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