Tag: tech-worker

Reading Your RSU Grant Without a Lawyer

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.

ESPP: Don't Leave Free Money on the Table

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.

401k Math: What You're Actually Saving

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.

Stock Options vs RSUs: Which Is Better?

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.

Mega Backdoor Roth Explained

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.

The 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.

RSU 101: Sell or Hold? The Math

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.