Guides by Will Osagiede, CFP®, AWMA®
Browse OnWealth guides written by Will Osagiede, CFP®, AWMA®.
Insurance
How to Think About Self-Funding vs. Long-Term Care Insurance
A practical guide to comparing self-funding, family support assumptions, Medicaid fallback, and long-term care insurance before you decide how later-life care will really be paid for.
Open guideHome
How to Think Through Rent vs. Buy Without Guessing
A practical guide to thinking through rent versus buy by separating monthly cost, closing cash, flexibility, time horizon, and ownership responsibility instead of hoping one number will settle it.
Open guideMortgages
How to Review ARM Caps, Adjustment Periods, and Worst-Case Payment Risk
A practical guide to reading an adjustable-rate mortgage beyond the teaser rate by checking the fixed period, rate caps, adjustment schedule, index, margin, and worst-case payment path before closing.
Open guideMortgages
How to Review a Mortgage Refinance Offer Without Getting Distracted by Rate
A practical guide to reviewing a mortgage refinance offer by checking the new payment, term reset, closing costs, break-even period, and how the loan fits your real goal.
Open guideHome
How to Review a House Before You Make an Offer
A practical guide to reviewing a house before making an offer so budget drift, inspection surprises, insurance costs, and closing-day cash needs do not get ignored in the rush to buy.
Open guideHome
How to Estimate Your Real Monthly Home Cost Before You Buy
A practical guide to estimating the monthly cost of owning a home before you buy by layering PITI, maintenance, utilities, HOA fees, and reserve planning into one usable number.
Open guideHome
How to Compare Two Mortgage Quotes Before You Apply
A practical guide to comparing early mortgage quotes before a full application by holding constant the loan assumptions, timing, points, credits, and lock details that make quotes look different.
Open guideHome
How to Compare Cost of Living Before You Move or Buy
A practical guide to comparing current and proposed monthly cost patterns before you move, change neighborhoods, rent, or buy so the new plan is tested against real take-home cash flow.
Open guideCredit Cards
How to Choose a Credit Card Based on How You Actually Spend
A practical guide to choosing a credit card by starting with repayment habits, spending patterns, annual-fee tradeoffs, and whether the card is solving a payment problem, a borrowing problem, or a credit-building problem.
Open guideHome
How to Build a Home Repair Fund Without Guessing
A practical guide to turning home-maintenance uncertainty into a monthly reserve contribution and a dedicated repair-fund target that can survive normal ownership surprises.
Open guideHome
How to Build a First-Time Homebuyer Cash-to-Close Plan
A practical guide to mapping the money needed before closing so a first-time buyer can separate the down payment, closing costs, credits, reserves, and post-closing cash needs.
Open guideStudent Loans
How to Review Your Student Loans Before the First Payment
A practical guide to identifying your loan types, servicers, grace-period timing, and repayment options before student loan payments officially begin.
Open guideNewsletter
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