The math, and the manners
Clear, practical guides to money among people who know each other: splitting, trips, roommates, couples, lending and settling up.
Splitting Basics
A plain-English guide to splitting expenses with friends without the math anxiety or the awkward pause at the table.
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Group Trips and Travel
A practical playbook for splitting, tracking, and settling group trip expenses without resentment. Methods, named apps, scripts, and worked dollar examples for trips of four to eight friends.
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Roommates and Shared Living
Splitting bills with roommates is one part math, one part manners. This pillar maps the math first, the manners second, and points you to the right apps, scripts, and rent-splitting models for every shared-living scenario.
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Couples and Partners
A field guide to couples splitting expenses without joint account: the three math methods, the manners that make them work, and the nine money rituals every cohabiting partner runs into.
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Family Money Among Adults
Lending money to family members is the biggest informal credit market most Americans interact with, worth about $89 billion a year per the Federal Reserve. Forty-two percent of those loans never get repaid. This master guide is the map of the nine recurring situations, the math behind each, and the manners that make or break the relationship.
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Recurring Social Rituals
Recurring social rituals like poker nights, supper rotations, fantasy leagues, and Secret Santa exchanges run on small amounts of money that pile up fast. This pillar maps the math, the manners, and the nine hubs in the family, with named app behaviors and a script the reader can use this weekend.
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Lending Between Friends
A friend asks to borrow money and the math is the easy part. This pillar maps the numbers, the etiquette, the nine sub-areas, and the one rule of thumb you can use tonight to lend money to friend without losing anyone.
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Settlements and Awkward Conversations
A practical map of money conversations friends have every week: the math, the manners, paste-ready scripts, three real-life scenarios, the seven mistakes that wreck friendships, and when to swap a chat thread for a social ledger app like Nudj.
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