Notes on money, AI, and the way we learn.
Clear, sourced guides on money, AI, and how to actually learn, from the team behind the Scroll microlearning apps. Every piece is written to be read in a few minutes, cites its sources, and links to the app that goes deeper.
Money
The behaviour and the mechanics behind everyday financial decisions.
Best Apps to Learn Personal Finance (Not Just Budget) in 2026
Budgeting apps track your money. Learning apps teach you how it works. Here are the best apps to actually learn personal finance in 2026, compared honestly.
Why You Spend More When Stressed (and How to Stop Doom Spending)
Stress quietly changes how you spend. Here is the psychology behind doom spending, why doomscrolling makes it worse, and a five-step way to break the loop.
7 Cognitive Biases That Are Quietly Costing You Money
Your brain runs on shortcuts, and some are expensive. Here are seven cognitive biases that quietly cost you money, with a plain example and a one-line defence for each.
How to Calculate Your FIRE Number (With Real Examples)
Your FIRE number is how much you need invested to make work optional. Here is the simple formula, why the 4% rule is debated, and worked examples in any currency.
What is personal finance?
Personal finance is how you manage your money across five areas: income, spending, saving, investing, and protection. A clear, jargon-free guide to what it means and how to start.
What is compound interest? Explained with examples
Compound interest is interest earned on your interest, so your money grows faster over time. A plain-English explanation with worked examples, the Rule of 72, and the catch.
How to build an emergency fund
An emergency fund is cash you can reach fast when life goes wrong. How much to save, where to keep it, and a simple way to build one — even on a tight budget.
How to start investing: a beginner's guide
Investing puts your long-term money to work so it grows faster than cash. What to do before you start, why low-cost index funds suit beginners, and the honest version of the risks.
How to make a budget: the 50/30/20 rule
A budget is a plan for your money, not a punishment. How the 50/30/20 rule works, how to build a budget in five steps, and what to do when the ratios don't fit your life.
How to pay off debt: avalanche vs snowball
Two proven ways to clear debt. The avalanche saves the most interest; the snowball builds the most momentum. How each works, what the research says, and how to choose.
AI literacy
Understand AI as a normal person, not an engineer.
Is It Too Late to Learn AI in 2026? (An Honest Answer)
No. Only about a third of adults have tried ChatGPT, beginners gain the most, and demand for AI skills is still climbing. Here is the honest case, and where to start.
How to Actually Use AI in Everyday Life: 15 Practical Examples
You don’t need to be technical to get value from AI. Here are 15 concrete ways to use it in everyday life, how to get better answers, and where not to trust it.
Best Apps to Learn AI for Beginners in 2026 (No Coding)
You don’t need a computer-science degree to learn AI. Here are the best apps and courses to learn AI for beginners in 2026, from daily-habit apps to free university courses.
AI Literacy: A Practical Guide to Understanding AI in 2026
A plain-English guide to AI literacy in 2026: how AI models work, what they get wrong, how to prompt them, and how to spot AI. No jargon, no hype.
What Are Tokens in AI? A Plain-English Guide
Tokens are the units AI models actually read. Here is what a token is, how many tokens a word is, and why tokens decide both your bill and what fits.
ChatGPT vs Claude vs Gemini: How to Choose in 2026
A fair, no-hype comparison of ChatGPT, Claude and Gemini in 2026. Where each one wins, what they cost, and a simple way to pick the right one.
How Much Does the AI API Cost? A 2026 Breakdown
What AI APIs really cost in 2026: how per-token pricing works, why output costs more than input, and how to estimate a bill before you build.
How to Spot AI-Written Text (and Why Detectors Miss)
The real tells of AI-written text, why AI detectors are unreliable, and what to check instead when it actually matters who wrote something.
How to Spot AI Images and Deepfakes
A practical guide to spotting AI-generated images and deepfake video: the visual tells that still work, and the verification steps that beat guessing.
How to Write Better AI Prompts: A Beginner's Guide
A no-nonsense guide to writing prompts that get better answers from ChatGPT, Claude and Gemini. The structure that works, plus the mistakes to drop.
What Is a Context Window? AI Memory, Explained
A context window is an AI model's short-term memory, measured in tokens. Here is what that means, how much fits, and why bigger is not always better.
How to Learn AI From Scratch in 2026: A Complete Guide
A complete, up-to-date guide to learning AI from scratch in 2026. Two clear paths, a month-by-month plan, the best free courses, and the skills that pay.
Learning
How attention, memory, and daily habits really work.
The Best Microlearning Apps in 2026, Compared
Duolingo, Anki, Brilliant, Blinkist, Scroll and more, compared honestly: what each app teaches, what it costs, and which learning science it actually uses.
How to Replace Mindless Scrolling With Learning (Apps That Work)
We spend over two hours a day on social media. Here is how to turn that scroll reflex into learning, the science of why short daily sessions stick, and the apps that help.
What Is Microlearning? A Complete Guide
Microlearning explained: what it is, the science behind why short lessons stick, real examples, honest limits, and how to start learning in minutes a day.
The Forgetting Curve Is Real: How Spaced Repetition Beats Cramming
Ebbinghaus showed we forget most new information within days. The spacing effect and retrieval practice reverse that. Here is the science, with numbers.
How to Stop Doomscrolling (Without Giving Up Your Phone)
Doomscrolling eats your hours and raises anxiety. These evidence-backed tactics break the loop, plus a better use for the scroll habit you already have.
How to Learn Something New Every Day (In Five Minutes or Less)
A realistic system for daily learning: the habit science, where the minutes come from, and high-leverage topics like AI literacy and personal finance.
Microlearning vs Traditional Learning: What the Evidence Says
Short daily lessons or long courses? We compare microlearning and traditional learning on retention, completion, cost and depth, with research behind it.
AI Literacy: What Everyone Should Know About AI in 2026
AI literacy is now a hiring filter, yet most workers get no training. Here is what to actually learn: how models work, prompting, limits, and spotting fakes.
Financial Literacy Basics: The Money Concepts School Never Taught You
Most adults fail a basic money quiz. These core financial concepts, from compounding to diversification, cost nothing to learn and shape every decision.