Personal finance for people who over-engineer everything else. Index funds, FIRE math, RSUs, tax strategy, and the HSA trick HR never told you about.https://overengineeredfi.com/https://overengineeredfi.com/budget-that-works/https://overengineeredfi.com/budget-that-works/Stop tracking every coffee. Reverse budgeting automates your savings first, then lets you spend the rest guilt-free — here's exactly how to set it up.Tue, 21 Jul 2026 00:00:00 GMThttps://overengineeredfi.com/savings-rate-explained/https://overengineeredfi.com/savings-rate-explained/Your savings rate determines your retirement timeline faster than investment returns ever will. Here's the math, the table, and how to calculate yours honestly.Sun, 19 Jul 2026 00:00:00 GMThttps://overengineeredfi.com/fidelity-vanguard-schwab-comparison/https://overengineeredfi.com/fidelity-vanguard-schwab-comparison/Fidelity, Vanguard, or Schwab? The honest answer for a 3-fund portfolio: pick any of them. Here's what actually differs and what to stop worrying about.Fri, 17 Jul 2026 00:00:00 GMThttps://overengineeredfi.com/lean-fire-vs-fat-fire/https://overengineeredfi.com/lean-fire-vs-fat-fire/Lean FIRE, Fat FIRE, Barista FIRE, ChubbyFIRE — the full spectrum mapped with real dollar targets so you can stop theorizing and pick your actual number.Wed, 15 Jul 2026 00:00:00 GMThttps://overengineeredfi.com/rsu-grant-agreement-explained/https://overengineeredfi.com/rsu-grant-agreement-explained/RSU grant agreements look like legal gibberish. Most of it doesn't matter. Here's what to actually read — and the questions to ask HR before you sign.Mon, 13 Jul 2026 00:00:00 GMThttps://overengineeredfi.com/total-market-vs-sp500/https://overengineeredfi.com/total-market-vs-sp500/VTI vs VOO, FSKAX vs FXAIX — the total market vs S&P 500 debate explained with actual numbers and 30-year projections. Spoiler: you're overthinking this.Sat, 11 Jul 2026 00:00:00 GMThttps://overengineeredfi.com/espp-explained/https://overengineeredfi.com/espp-explained/Your ESPP is a 15-32% guaranteed return hiding in your benefits portal. Here's the math, the tax rules, and why you should nearly always sell immediately.Thu, 09 Jul 2026 00:00:00 GMThttps://overengineeredfi.com/coast-fire/https://overengineeredfi.com/coast-fire/Coast FIRE means your investments are already on autopilot to retirement — no more contributions required. Here's the math and why it changes everything.Tue, 07 Jul 2026 00:00:00 GMThttps://overengineeredfi.com/asset-allocation-by-age/https://overengineeredfi.com/asset-allocation-by-age/The 110-minus-age rule is a solid starting point — most people ignore it. What it means, why young investors should skip bonds, and allocation by decade.Sun, 05 Jul 2026 00:00:00 GMThttps://overengineeredfi.com/tax-loss-harvesting/https://overengineeredfi.com/tax-loss-harvesting/Tax-loss harvesting offsets capital gains and cuts your tax bill — if you follow the wash-sale rules. Here's the VTI→ITOT swap and the honest math on deferral.Fri, 03 Jul 2026 08:00:00 GMThttps://overengineeredfi.com/401k-contribution-math/https://overengineeredfi.com/401k-contribution-math/Maxing your 401k doesn't cost $23,500. At a 35% tax rate it costs $15,275. Here's the math, the 2026 limits, and how to stop leaving money on the table.Wed, 01 Jul 2026 08:00:00 GMThttps://overengineeredfi.com/four-percent-rule/https://overengineeredfi.com/four-percent-rule/The 4% rule is the foundation of FIRE planning — but it has real caveats most people ignore. Here's what the original research actually says and when to adjust.Mon, 29 Jun 2026 08:00:00 GMThttps://overengineeredfi.com/side-income-taxes-software-engineers/https://overengineeredfi.com/side-income-taxes-software-engineers/Side income hits harder than W-2: you pay SE tax plus income tax. Here's the Schedule C breakdown, the SE tax math, SEP-IRA limits, and quarterly estimates.Sat, 27 Jun 2026 08:00:00 GMThttps://overengineeredfi.com/index-funds-vs-active-management/https://overengineeredfi.com/index-funds-vs-active-management/Most active funds underperform their benchmark over 15 years. The math on expense ratio drag alone should end the debate. Here's why index funds win every time.Thu, 25 Jun 2026 08:00:00 GMThttps://overengineeredfi.com/stock-options-vs-rsus/https://overengineeredfi.com/stock-options-vs-rsus/ISOs, NSOs, RSUs — your offer letter has all three and explains none of them. Here's what each type means, how it's taxed, and which you actually want.Tue, 23 Jun 2026 08:00:00 GMThttps://overengineeredfi.com/fire-number-calculator/https://overengineeredfi.com/fire-number-calculator/Your FIRE number is annual expenses × 25. Here's where that formula comes from, what most people undercount, and how to actually make the target work.Sun, 21 Jun 2026 08:00:00 GMThttps://overengineeredfi.com/home-office-deduction/https://overengineeredfi.com/home-office-deduction/W-2 remote workers can't claim the home office deduction post-2017 TCJA. Here's who can, how the simplified vs regular method math works, and when each wins.Fri, 19 Jun 2026 08:00:00 GMThttps://overengineeredfi.com/mega-backdoor-roth/https://overengineeredfi.com/mega-backdoor-roth/The mega backdoor Roth lets you funnel up to $46,500 extra into a Roth account per year. Most plans don't support it. Yours might. Here's the full mechanics.Wed, 17 Jun 2026 08:00:00 GMThttps://overengineeredfi.com/three-fund-portfolio/https://overengineeredfi.com/three-fund-portfolio/Three funds. That's all it takes to build a complete, diversified portfolio. Here's the exact tickers at Fidelity, Vanguard, and Schwab — plus how to allocate.Mon, 15 Jun 2026 08:00:00 GMThttps://overengineeredfi.com/quarterly-estimated-taxes/https://overengineeredfi.com/quarterly-estimated-taxes/Owe $1k+ in taxes after withholding? You're supposed to pay quarterly. Here's the safe harbor rule, 2026 due dates, and the math on $30k freelance income.Sat, 13 Jun 2026 08:00:00 GMThttps://overengineeredfi.com/hsa-triple-tax-advantage/https://overengineeredfi.com/hsa-triple-tax-advantage/Your HSA is the only account with three tax advantages. Here's how to turn it into a stealth IRA — and the math that makes it worth maxing every single year.Thu, 11 Jun 2026 08:00:00 GMThttps://overengineeredfi.com/rsu-sell-or-hold/https://overengineeredfi.com/rsu-sell-or-hold/RSUs are taxed as income at vest, not when you sell. Here's the math on concentration risk, your tax hit at vest, and why selling immediately usually wins.Tue, 09 Jun 2026 08:00:00 GMT