Topic
Tech Worker Money
Tech compensation is weird. Between base salary, RSUs, options, bonuses, and the alphabet soup of tax-advantaged accounts, most engineers are leaving significant money on the table without realizing it. These posts cover RSU vesting and whether to hold or sell immediately, the mega backdoor Roth (and whether your 401k plan supports it), the HSA triple-tax-advantage play, and 401k contribution math that actually makes sense. Written by someone in tech, not by a financial services marketing department.
18 articles in this topic.
Featured posts
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The IPO Lockup Playbook
The lockup lifts, your double-trigger RSUs vest all at once, and the 22% flat withholding doesn't cover what you'll actually owe. Here's the IPO game plan.
11 min read -
QSBS: The $10M Tax Break
QSBS lets qualifying startup stock skip federal capital gains tax on millions in profit, but exercise late or structure a buyout wrong and you lose it entirely.
11 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 -
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 -
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
All Tech Worker Money articles
- The IPO Lockup Playbook
- QSBS: The $10M Tax Break
- RSU Taxes When You Move States
- HDHP vs PPO: Open Enrollment Math
- The Layoff Money Playbook
- The 83(b) Election: Your 30-Day Window
- ISO vs NSO: Options and the AMT Trap
- Financial Order of Operations
- Roth vs Traditional: Which One?
- Rolling Over Your Old 401k: A Checklist
- Backdoor Roth IRA: A Step-by-Step Guide
- Reading Your RSU Grant Without a Lawyer
- ESPP: Don't Leave Free Money on the Table
- 401k Math: What You're Actually Saving
- Stock Options vs RSUs: Which Is Better?
- Mega Backdoor Roth Explained
- The HSA Triple Tax Advantage
- RSU 101: Sell or Hold? The Math