TALLIVOMoney data, run through our own engine
Original studies built from the same tax and finance math behind Tallivo's calculators — real numbers, fully sourced, updated for 2026.
The Raise You Needed Just to Stand Still — A $50,000 salary in 2000 needs $99,733 today. 2021 was the hardest year to start earning — 4.70% a year, every year, for nothing.
What a $1,000,000,000 Lottery Jackpot Actually Pays, by State — The cash option is $480,000,000, federal tax takes $177,550,000, and the state decides the rest — a $52,789,211 swing on an identical ticket.
Lump Sum or Spread It Out? — Investing all at once won 72% of the time — but its worst case left 41.9% of your money against 60.9% for averaging in. Both facts are true.
What the Stock Market Returned, by How Long You Held It — Every rolling holding period since 1871, inflation-adjusted. The median barely moves — but the range collapses from 209 points to 9.
What a 0.25% Mortgage Rate Move Actually Costs — A quarter point is $67/mo on a $400,000 loan at 6.55% — but $23,854 over 30 years. Full table by loan size.
Take-Home Pay on a $100K Salary in Every State — All 50 states ranked by what you actually keep on $100,000 — a $8,177 gap between the best and worst, driven entirely by state income tax.