Michael West Financials LLC · Est. 2024
Gallery · Visualizations

Every chart on the site, in one place.

48 figures across the guides and tools, grouped by shape. Click any card to land on the chart in context — every link drops you on the figure itself, not the page top.

18 charts

Bar charts

Bar charts

First paycheck breakdown

Where every dollar of a first paycheck actually lands.

First paycheck guide
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Bar charts

Growth by vehicle

$200 a month for 45 years in cash, HYSA, or stocks.

First paycheck guide
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Bar charts

Compounding power

Years to each $100K milestone shorten as the balance grows.

Compound growth tool
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Bar charts

Debt Rule of 72

How fast common debts double at typical APRs.

Mental models guide
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Bar charts

Opportunity cost

A dollar saved at 25 vs. waiting until 35 or 45.

Mental models guide
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Bar charts

Match vs. payoff cost

Skipping the employer match to pay debt faster is rarely worth it.

Debt payoff guide
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Bar charts

Employer match leverage

How the match alone changes a 40-year 401(k) balance.

401(k) guide
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Bar charts

Paycheck deferral impact

Raising your 401(k) deferral costs less take-home than you think.

401(k) guide
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Bar charts

Roth vs. Traditional (micro)

Same dollar, two tax timings — which wins by bracket.

401(k) guide
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Bar charts

Mortgage term comparison

30 vs. 20 vs. 15-year payments and lifetime interest.

Mortgages guide
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Bar charts

Mortgage lever sensitivity

Which mortgage lever (rate, term, price) moves the payment most.

Mortgages guide
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Bar charts

OoO return bars

Effective return on each Order-of-Operations step.

Order of operations guide
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Bar charts

Survivor benefit

Delaying Social Security raises the survivor benefit too.

Social Security guide
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Bar charts

Roth withdrawal opportunity cost

What pulling Roth contributions early actually costs at 65.

Emergency fund guide
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Bar charts

Amortization composition

The same payment, year by year, flipping from interest to principal.

Mortgage payoff tool
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Bar charts

Marginal vs. effective tax

Why "I'm in the 22% bracket" doesn't mean 22% of every dollar.

Mental models guide
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Bar charts

Wealth multiplier by age

The cliff: $1 at 20 → $88 at 65; $1 at 60 → $1.60.

Mental models guide
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Bar charts

Income-multiple checkpoints

How much saved (× your income) you should have by 30, 40, 50, and retirement.

Mental models guide
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11 charts

Over-time charts

1 chart

Two-trajectory wedges

3 charts

Priority stacks

3 charts

Composition donuts

4 charts

Tabular figures

2 charts

Decision flows

2 charts

Decomposition waterfalls

1 chart

Event timelines

2 charts

Comparison matrices

1 chart

Pictograms

Reference · Plain English

Glossary of terms

One-sentence definitions for every term used across the guides and calculators — accounts, tax timing, investing, debt, retirement.

Library · Long-form

All the guides

The full reading list — eighteen guides organized by phase, from first paycheck through retirement income.

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