Evidence-based personal finance. Tools, tests and numbers, written for people who would rather buy the good boots once.https://bootstheory.org/https://bootstheory.org/blog/the-2026-rate-shock-and-your-money/https://bootstheory.org/blog/the-2026-rate-shock-and-your-money/The US 10-year yield closed above 5% on the day the Fed raised rates for the first time in three years, and the ECB has hiked twice. What that does to mortgages, savings accounts, bond funds and the Livret A, with the numbers.Mon, 21 Sep 2026 00:00:00 GMThttps://bootstheory.org/blog/managing-money-with-chatgpt-and-claude/https://bootstheory.org/blog/managing-money-with-chatgpt-and-claude/Half of American adults now ask an AI before a money decision. The models pass the CFA exam and then get a third of tax returns right. What the studies say, where it breaks, what to delegate and what never to.Mon, 14 Sep 2026 00:00:00 GMThttps://bootstheory.org/blog/is-finary-worth-it/https://bootstheory.org/blog/is-finary-worth-it/France’s favourite wealth tracker costs €149.99 a year for Plus, has raised its price three times, and is still fighting sync bugs. Here is who should pay, who should not, and the numbers behind it.Mon, 07 Sep 2026 00:00:00 GMT