# wealthebenefits > Free tools, guides, and education for US workers and freelancers to understand and claim the workplace benefits HR doesn't volunteer: FSA/HSA, COBRA, 401(k), open enrollment, layoffs, estate planning, and self-employed health coverage. Founded by Skylar; published from Florida. ## Docs - [About](https://wealthebenefits.com/about): Mission, founder background, editorial standards, sourcing rules. - [Start Here](https://wealthebenefits.com/start-here): 8 life-stage pathways (new job, open enrollment, parental leave, layoff, freelance, etc.) routing to the right tool or article. - [Transparency](https://wealthebenefits.com/transparency): Revenue model, affiliate disclosures, source citation policy. - [Privacy Policy](https://wealthebenefits.com/privacy): Data collection, cookies, analytics, third-party processors. - [Terms of Service](https://wealthebenefits.com/terms): Florida-jurisdiction terms; educational-only disclaimer (not legal, tax, or financial advice). - [Refund Policy](https://wealthebenefits.com/shop/refund-policy): 14-day money-back guarantee on all shop products. - [Contact](https://wealthebenefits.com/contact): General, partnerships, press. ## Features - [Benefits Audit](https://wealthebenefits.com/tools/benefits-audit): 28-question audit producing an A–F grade and dollar estimate of unused workplace benefits. - [Tools Hub](https://wealthebenefits.com/tools): Calculators, checklists, mini-games, and glossary; progress persists in localStorage under the `wb_` prefix. - [Quick Answers](https://wealthebenefits.com/answers): 30-second source-backed answers (IRS, DOL, CMS) with decision trees. - [Articles](https://wealthebenefits.com/articles): Long-form pillar content searchable by topic and pillar. - [Laid-Off Toolkit](https://wealthebenefits.com/laid-off-toolkit): COBRA cost calculator, 60-day decision countdown, downloadable recovery pack. - [For Employees](https://wealthebenefits.com/for-employees): Audience landing page for individual workers. - [For Employers](https://wealthebenefits.com/for-employers): Audience landing page for HR teams and small employers. - [Going Solo](https://wealthebenefits.com/going-solo): Health, retirement, and tax content for freelancers and contractors. - [Stay Ready](https://wealthebenefits.com/stay-ready): Career-readiness content (ATS, interview prep, transitions). - [Benefits IQ Quiz](https://wealthebenefits.com/quiz): 10-question scored quiz with personalized result tier. - [The Benefits Brief Newsletter](https://wealthebenefits.com/#newsletter): Weekly email; signup via footer, homepage, and article CTAs. ## Pricing - All articles, tools, calculators, quizzes, the audit, and the newsletter are free. - [Shop](https://wealthebenefits.com/shop): One-time digital products with lifetime access and a 14-day refund. - Employee guides: estate planning packs, open enrollment kits, exit/quitting playbooks, layoff recovery pack. - Employer/HR kits: hiring scorecards, open enrollment communications templates, small-team benefits templates. - Payments processed by Paddle.com (merchant of record). Past purchases recoverable via [Shop Access](https://wealthebenefits.com/shop/access). ## API - [Public articles index (JSON)](https://wealthebenefits.com/api/articles.json): Title, slug, pillar, excerpt, publish date, and (where unlocked) full HTML body for every published article. - [Sitemap](https://wealthebenefits.com/sitemap.xml): Canonical URLs for all indexable pages. - [Robots](https://wealthebenefits.com/robots.txt): Crawler rules; AI assistants (GPTBot, ClaudeBot, PerplexityBot, Google-Extended, Applebot-Extended) are explicitly allowed; Common Crawl and aggressive scrapers blocked. - [Full markdown corpus](https://wealthebenefits.com/llms-full.txt): Concatenated markdown of all key pages and articles for LLM ingestion. - No public REST API. Backend runs on Supabase Edge Functions and is not exposed for third-party use. ## Examples - [FSA vs HSA: Which One is Actually Better for You?](https://wealthebenefits.com/articles/fsa-vs-hsa): 2026 limits ($4,300 HSA / $3,300 FSA), triple tax advantage, rollover rules. - [15 Benefits Buried in Your Employee Handbook](https://wealthebenefits.com/articles/buried-benefits): EAP therapy, tuition reimbursement, backup childcare, legal services, pet insurance. - [Estate Planning in Your 20s and 30s: Yes, Really](https://wealthebenefits.com/articles/estate-planning): Wills, beneficiaries, healthcare proxies for non-wealthy adults. - [10 FSA-Eligible Products You Didn't Know You Could Buy](https://wealthebenefits.com/articles/fsa-products): Sunscreen, acne treatments, blue-light glasses, period products. - [I Made $180K and Still Felt Broke. Here's Why](https://wealthebenefits.com/articles/felt-broke): High income vs. wealth; lifestyle creep and benefits underutilization. - [The Complete 'I'm Quitting' Benefits Checklist](https://wealthebenefits.com/articles/quitting-checklist): COBRA, 401(k) rollovers, FSA deadlines, unused PTO, equity vesting. ## Optional - Content pillars (8): [Benefits 101](https://wealthebenefits.com/benefits-101), [What HR Won't Tell You](https://wealthebenefits.com/hr-secrets), [Deep Dives](https://wealthebenefits.com/deep-dives), [Product Picks](https://wealthebenefits.com/product-picks), [Real Talk](https://wealthebenefits.com/real-talk), [Exit Strategy](https://wealthebenefits.com/exit-strategy), [Stay Ready](https://wealthebenefits.com/stay-ready), [Going Solo](https://wealthebenefits.com/going-solo). - Mini-games: [Myth or Fact](https://wealthebenefits.com/tools/myth-or-fact), [Scenario Challenge](https://wealthebenefits.com/tools/scenario-challenge), [Benefits Bingo](https://wealthebenefits.com/tools/benefits-bingo). - Calculators and checklists: [Open Enrollment Checklist](https://wealthebenefits.com/tools/open-enrollment), [New Job Checklist](https://wealthebenefits.com/tools/new-job-checklist), [Exit Checklist](https://wealthebenefits.com/tools/exit-checklist), [FSA/HSA Eligibility Lookup](https://wealthebenefits.com/tools/fsa-hsa-lookup), [Solo (1099) Calculator](https://wealthebenefits.com/tools/solo-calculator), [Contractor Quiz](https://wealthebenefits.com/tools/contractor-quiz), [Interview Prep](https://wealthebenefits.com/tools/interview-prep), [Benefits Glossary](https://wealthebenefits.com/tools/glossary). - Tech stack: React 18 + Vite 5 + Tailwind CSS, Supabase (Postgres, auth, edge functions, RLS), Resend (transactional email), Beehiiv (newsletter), Paddle (payments), Cloudflare R2 (asset hosting). - Compliance: Educational content only; not legal, tax, or financial advice. US-focused. Statistics cited via footnotes from IRS, DOL, CMS, BLS, and KFF. - Brand: Founded 2024 by Skylar (US citizen, parent on maternity leave). Voice is plainspoken, 10th-grade reading level, no financial shaming.