Ownki is a small personal finance blog. We write plain-English explanations of budgeting, credit, investing, retirement accounts and taxes for people in the United States who want to understand the trade-offs before they act.
Posts are general information. We try to explain how things work, show the arithmetic, and point to official sources such as the IRS, the Consumer Financial Protection Bureau and the SEC’s Investor.gov when a rule or limit matters.
We do not sell financial products and nothing here is personalized financial, tax or legal advice. If a decision is large or your situation is unusual, talk to a qualified professional.