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Free investor livestream — Nov 17

How To Use ChatGPT & Claude To Research Stocks Like A Pro

01
The prompt we use to break down any stock
02
How to fact-check what AI tells you
03
How to compare two stocks in minutes
Authors / 
info.redakthor
info.redakthor

... read more
15
Articles
Years Exp.
Author Image
Status Active Writer
Credit Utilization: How Paying Down Cards Can Help Your Score
Credit Utilization: How Paying Down Cards Can Help Your Score
info.redakthor • November 2, 2026
How to Calculate Your Net Worth, With a Worked Example
info.redakthor • November 2, 2026
How to Calculate Your Net Worth, With a Worked Example
How to Get Out of Debt on a Low Income, Step by Step
info.redakthor • November 2, 2026
How to Get Out of Debt on a Low Income, Step by Step
How to Save Money on a Low Income, With a Budget Example
info.redakthor • November 2, 2026
How to Save Money on a Low Income, With a Budget Example
How to Budget With an Irregular Income, Even in Lean Months
info.redakthor • November 2, 2026
How to Budget With an Irregular Income, Even in Lean Months
How to Track Your Spending in 15 Minutes a Week
info.redakthor • November 2, 2026
How to Track Your Spending in 15 Minutes a Week
Should You Invest or Pay Off Debt? How to Decide
info.redakthor • November 2, 2026
Should You Invest or Pay Off Debt? How to Decide
Pay Yourself First: What It Means and How to Automate It
info.redakthor • November 2, 2026
Pay Yourself First: What It Means and How to Automate It
More Briefs
What Is a Good Credit Score? Ranges and What Moves Yours
What Is a Good Credit Score? Ranges and What Moves Yours
info.redakthor • November 2, 2026
How to Lower Your Credit Card Interest Rate, With a Call Script
How to Lower Your Credit Card Interest Rate, With a Call Script
info.redakthor • November 2, 2026
How Does Credit Card Interest Work? A Plain-English Guide
How Does Credit Card Interest Work? A Plain-English Guide
info.redakthor • November 2, 2026
Credit Card Minimum Payment: What Happens If You Only Pay It
Credit Card Minimum Payment: What Happens If You Only Pay It
info.redakthor • November 2, 2026
Should You Save or Pay Off Debt First? How to Decide
Should You Save or Pay Off Debt First? How to Decide
info.redakthor • November 2, 2026
Debt Snowball vs Avalanche: Which Card to Pay First
Debt Snowball vs Avalanche: Which Card to Pay First
info.redakthor • November 2, 2026
What Is a Sinking Fund? How to Start One
What Is a Sinking Fund? How to Start One
info.redakthor • November 2, 2026

Blogs

November 2, 2026
How Does Credit Card Interest Work? A Plain-English Guide
By info.redakthor
  • Card companies divide your APR by 365 and charge it daily on your average balance.
  • At 26.99% APR, a $3,000 balance costs about $2.22 a day, or about $67 for a 30-day billing cycle.
  • Paying your full statement balance by the due date usually means you pay no interest on purchases.
Read More
November 2, 2026
Credit Card Minimum Payment: What Happens If You Only Pay It
By info.redakthor
  • The minimum payment shrinks as your balance does, which stretches your payoff out for years.
  • In this example, paying only the minimum on $5,000 at 22% takes about 19 years and costs about $8,100 in interest.
  • Paying a fixed amount that doesn't shrink, like $142 a month, pays the same balance off in under 5 years.
Read More
November 2, 2026
Should You Save or Pay Off Debt First? How to Decide
By info.redakthor
  • Save a $2,000 cushion first so a surprise repair doesn't go right back on your credit card.
  • Next, put extra money on one card at a time, since card interest is added to your balance every month.
  • Keep saving at least 10% the whole time, and automate both your savings and your card payments.
Read More
November 2, 2026
Debt Snowball vs Avalanche: Which Card to Pay First
By info.redakthor
  • The snowball pays the smallest balance first, and the avalanche pays the highest interest rate first.
  • In the two-card example, the avalanche saved about $177 in interest, while the snowball cleared its first card 16 months sooner.
  • The best method is the one you'll stick with, as long as you pay every minimum and roll each payment forward.
Read More
November 2, 2026
What Is a Sinking Fund? How to Start One
By info.redakthor
  • A sinking fund is money you save each month for a cost you know is coming, like car insurance or holiday gifts.
  • Divide each cost by the months until it's due, then move that amount to a separate account every payday.
  • Sinking funds cover planned costs, while your emergency fund covers the surprises.
Read More
October 23, 2026
Are We in a Recession? 5 Threats to the Economy and Where the Money Is Moving
By Andre Savage
  • The S&P 500 is up about 13% this year, but without AI it's in a bear market, with nearly 40% of its companies down more than 20% for four months or longer.
  • Jackson, Briefs Finance's head of investing research, sees five threats: rising interest rates, sticky inflation, an economy propped up by AI, a struggling UK, and high oil prices.
  • The opportunities he's watching mostly sit outside the dollar: rising economies like Brazil and Indonesia, US-backed emerging market bonds paying 7% to 9%, and the shifts that fear creates.
Read More
October 16, 2026
How Boring Math Makes You Rich: The Briefs Money Spreadsheet, Explained
By Nate Gregory
  • Briefs Money shows you what to do with every paycheck, and in what order: how much to spend, save, and invest, when to build an emergency fund, and which debt to pay off first.
  • The Climb to Wealth course walks you through the system step by step, and the Personal Finance Spreadsheet is where you track your own numbers.
  • Investing is one piece of building wealth. The system that gets money to your investments, and keeps it there, decides the outcome.
Read More
October 16, 2026
Common Investing Mistakes: Why a Stock Grade Is One Tool, Not the Whole Toolkit
By Jackson Moreland
  • The Briefs Score shows growth, income, and wealth preservation investors how well a stock fits their goal, with a separate letter grade for each one.
  • The most common mistake is treating the letter as an instruction. An A tells you a stock scores well for one goal, not that you should buy today.
  • Research works best as one input in a process you own. The grade shows how a stock stacks up. You supply the goal, the timeline, and the rules for being wrong.
Read More
October 16, 2026
How to Read a Company's Numbers Without a Finance Degree (Using Briefs Terminal)
By Andre Savage
  • Briefs Terminal lets you size up any public company in about ten minutes: what the stock costs, what it earns, how fast sales are growing, and what it pays you, all on one page.
  • It lines those numbers up against the company's closest competitors for you, so you can tell if a number is impressive or just average.
  • Below that are the income statement, balance sheet, and cash flow statement from the company's SEC filings, the latest news, and transcripts of its earnings calls.
Read More
October 16, 2026
What Type of Investor Am I? The Three Investor Archetypes, Explained
By Milena Thomas
  • Briefs sorts its stock grades and monthly reports by three investor goals: growth, income, and wealth preservation. Pick yours and you know which report and which grade to read first.
  • Growth investors want stocks that beat the S&P 500. Income investors want to get paid in cash. Wealth preservation investors want stocks that hold up when the market drops.
  • The same stock can score an A- for one goal and a D- for another, so picking your goal comes before picking any stock.
Read More
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