don.money
Guides
Money, explained with the numbers
Thirteen guides for the US and Canada, in plain language, built on official sources and current prices. Updated October 2026.
Save on bills
Cancel, downgrade and negotiate: the charges young adults ask about most.
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50%of the remaining months, charged if you cancel after day 1401
Subscriptions
How to cancel an Adobe subscription without paying the early-termination fee
Adobe's annual plan paid monthly charges 50% of the remaining months if you cancel after day 14. The 14-day refund window, the timing that avoids the fee, the plan switch, what the $150 million government settlement changed, and the exact cancellation steps.
7 min read · Updated October 2026
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$179a year for one audiobook a month on Premium02
Subscriptions
How to get Audible for less, or listen for free
Audible's 2026 plans and what they really cost per book, the $0.99 promotions, the retention discount you get by starting to cancel, the cheaper Standard tier, Spotify's included audiobook hours, and the library apps that give you the same titles for nothing.
7 min read · Updated October 2026
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$216a year saved switching from Premium to the ad plan (US)03
Subscriptions
How to switch to a cheaper Netflix plan (and stop paying for streaming you don't watch)
Netflix's 2026 prices in the US and Canada, what each plan actually gives you, how to downgrade in two minutes, the extra-member rules, and the rotate-don't-stack habit that cuts a streaming budget in half.
6 min read · Updated October 2026
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$612a year, moving a $76 line to a $25 plan on the same network04
Bills
How to switch to a cheaper cell phone plan in the US or Canada
What a single line really costs in 2026, the $15 to $35 plans on the same networks, how to check your actual data use, and the step-by-step switch that keeps your number.
8 min read · Updated October 2026
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$240a year from a $20 loyalty discount after one call05
Bills
How to negotiate a lower internet bill: the 12-minute call, with a script
Home internet averages $80 to $90 a month in the US and about $87 in Canada. The retention call that cuts it, word for word, plus the broadband label, the promo-expiry trap, and when to switch instead.
7 min read · Updated October 2026
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$600a year at the average US gym price, used or not06
Subscriptions
How to cancel a gym membership (Planet Fitness and the rest) without paying another month
The average US gym membership is $50 a month. How to cancel in person, by certified mail or online, the dates that stop the next charge and the annual fee, your legal rights in US states and Ontario, and what to do if they keep billing.
6 min read · Updated October 2026
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100+NYC museums free with a library card; 29 attractions in Toronto07
Going out
Free things to do in any city: library passes, museum days, and the stuff nobody tells you about
A library card gets you into 100+ NYC museums, 29 Toronto attractions, and hundreds of venues through Discover & Go and Museums on Us. Plus the free days, free fitness, free films and free music that every city has.
7 min read · Updated October 2026
Money basics
Habits, spending benchmarks, long-term returns, accounts and debt.
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63%of US adults could cover a $400 surprise with cash01
Habits
Money habits that last: a simple system you can keep for decades
Ten habits, in order, that turn good intentions into money kept: automatic saving, an emergency fund, a monthly check of where the money went, and investing on a schedule.
8 min read · Updated October 2026
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$81,905average US household spending in 202502
Spending
Where the average household's money goes, in the US and Canada
The latest official spending surveys, category by category: what US households spent in 2025 and Canadian households in 2023, and which lines are easiest to change.
8 min read · Updated October 2026
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10.0%a year, 1928–2025, dividends reinvested03
Investing
What 98 years of S&P 500 returns say about long-term investing
Calendar-year S&P 500 total returns from 1928 to 2025: the average, how often a year lost money, and what happened over every 10-, 20- and 30-year stretch. With the 2026 figures so far.
9 min read · Updated October 2026
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$24,500401(k) limit for 2026, plus $7,500 in an IRA04
Tax-advantaged accounts, US
401(k), IRA, Roth and HSA in 2026: the limits, the differences, and the order to fill them
The IRS limits for 2026 ($24,500 for a 401(k), $7,500 for an IRA, $4,400 or $8,750 for an HSA), how each account is taxed, the Roth income limits, and a sensible order for contributions.
9 min read · Updated October 2026
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$109,000of TFSA room since 2009 if you never contributed05
Tax-advantaged accounts, Canada
TFSA, RRSP, FHSA and RESP in 2026: the limits, how each is taxed, and which to fill first
Canada's registered accounts for 2026: $7,000 of new TFSA room ($109,000 since 2009), an RRSP limit of $33,810, $8,000 a year in an FHSA, and the 20% RESP grant, with a simple order for using them.
9 min read · Updated October 2026
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22.36%average US card rate on balances carrying interest06
Debt
How to get out of credit card debt when the rate is 22%
Card balances charged 22.36% in the US and 21.28% in Canada in mid-2026. What that costs on a $5,000 balance, the avalanche and snowball methods, balance transfers, and the fees to avoid.
8 min read · Updated October 2026
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