Posts
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Should Your Side Gig Be an S-Corp?
Below about $50,000 in net profit, an S-corp election costs more than it saves. Here's the salary-split math, the real costs, and the breakeven number.
10 min read -
RSU Taxes When You Move States
Move from California to Texas, vest RSUs a year later, and you can still owe California tax on part of that vest. How state sourcing for equity works.
9 min read -
Rebalancing: When and How
Rebalancing is risk control, not a return booster. How drift actually happens, the calendar-plus-band approach, and how to do it without a big tax bill.
11 min read -
Mortgage Payoff vs Investing
Extra principal or invest the difference? Compare your mortgage rate to your after-tax return first, then let liquidity, taxes, and psychology break the tie.
9 min read -
HDHP vs PPO: Open Enrollment Math
Open enrollment math most people skip: comparing HDHP and PPO by worst-case totals, not premiums. The four numbers that decide it, and the HSA swing factor.
10 min read -
Solo 401k vs SEP IRA
For most tech workers with 1099 side income, the solo 401k beats a SEP IRA. The math, the shared deferral limit, and the backdoor Roth trap that decides it.
11 min read -
The Layoff Money Playbook
The first two weeks after a layoff decide the financial outcome. Severance, RSUs, options, COBRA, unemployment, and the 401k moves to make before you sign.
11 min read -
The 83(b) Election: Your 30-Day Window
The 83(b) election has a strict 30-day deadline with no extensions. File it and a future tax bill shrinks to pocket change. Miss it and it can cost six figures.
11 min read -
Where to Park Cash
Cash sitting in a big-bank checking account earning near nothing is the most common, most fixable money leak for high earners. Here's where it should go.
11 min read -
Rent vs Buy: The Actual Math
Renting isn't throwing money away. Most of an early mortgage payment is interest, which is money you never get back either. Here is the real rent-vs-buy math.
9 min read -
A Roth IRA for Your Kid
Your teenager's summer lawn-mowing money can fund a Roth IRA that compounds for 50 years. Here's how custodial Roth IRAs actually work, funding trick included.
10 min read -
ISO vs NSO: Options and the AMT Trap
ISOs and NSOs are taxed completely differently. Get it wrong and you owe a six-figure AMT bill on stock that's now worthless. Here's the full breakdown.
10 min read
