David Chen
The Ace
Bottom line up front: I write about money the way I think about it — with numbers, scenarios, and logic. My articles cut through noise to show you what the data actually says. No fluff, no hand-waving. You'll get quantified outcomes, scenario comparisons, and frameworks you can run yourself.
Articles by David Chen
How to Get Out of Credit Card Debt (Step-by-Step Plan for 2026)
David Chen's systematic plan for eliminating credit card debt — covering balance transfers, interest math, payoff sequencing, and the exact steps to go from debt to zero.
AI Financial Coach vs Human Financial Advisor: Which Is Right for You?
David Chen breaks down the AI coach vs. human advisor decision with cost comparisons, capability analysis, and a scenario-based framework for choosing based on your actual financial situation.
How Financial Benchmarking Helps You Make Smarter Money Decisions
David Chen explains how financial benchmarking works, what metrics matter most, and how comparing your finances to relevant benchmarks converts vague financial anxiety into a clear, data-driven action plan.
Portfolio Rebalancing: When, Why, and How
David Chen breaks down the math behind portfolio rebalancing -- optimal frequency, tax-efficient methods, and a decision framework for your situation.
Roth IRA vs Traditional IRA: A Data-Driven Analysis
David Chen runs the numbers on Roth vs Traditional IRA -- breakeven analysis, income bracket scenarios, and a decision framework based on tax math.
Your First 401(k): A No-Nonsense Setup Guide
David Chen walks you through setting up your 401(k) -- employer match math, fund selection, contribution strategy, and a step-by-step action plan.