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.
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.
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.
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.
Learning
How attention, memory, and daily habits really work.