Fear versus FIRE

What is it that you fear the most? In the quiet, dark hours of the early morning, when sleep is elusive and the world is quiet, what scary thoughts creep forth from the depths of your soul? I have many small David sized fears (public speaking, cockroaches walking on my […]

The marriage tax

Should I Get Divorced?

Mr. BITA and I are both software engineers. We each make a good living and our incomes are nearly equal. We got married in 2013, and at the time of our marriage we were the polar opposites of financial wizards. Financial dimwits. Financial dum-dums. We had money sitting in our […]

Benefits of Credit Card Churning: Airport Lounge Access

That long awaited vacation is finally here. You made it to the airport on time, despite the fact that your toddler insisted that she needed to poop after you had strapped her into her seat (no, it turns out that she did not). You’re feeling the burn from dragging that […]

A Lazy Person’s Guide to Earning and Using Ultimate Rewards Points

This September the BITAs are going to gallivant around Europe. We’ve booked tickets from San Francisco to Lisbon, Lisbon to Amsterdam and Amsterdam back to San Francisco. For a family of three we coughed up the princely sum of $248.58 for these tickets and I’m going to tell you exactly […]

The Complete Backdoor Roth How-to

What is a backdoor Roth? A Roth IRA is a retirement account that is funded using after-tax earned income. You earn $X annually. You pay your taxes on $X, leaving you with $Y. You can take up to $5500 (in 2017. Check the IRS link for the latest limits) out […]

Commandments of Personal Finance

The 5 Commandments of Personal Finance

At its core succeeding at personal finance and achieving financial independence isn’t rocket surgery. All you have to do is spend less, save more and invest wisely. If you happen to need more information about one or more of these three pillars of personal finance, all you have to do […]

On the path to financial independence: January 2017

And will you succeed? Yes! You will, indeed! (98 and 3/4 percent guaranteed). – Dr Seuss, Oh the Places You’ll Go   The first month of the year proved to be more exciting than we expected. I had to have emergency surgery because my umbilical hernia (thanks Toddler BITA for […]


The BackStory of Mrs. BITA: Part 5

Where did we leave off? Ah yes. There I stood, poised to take flight, to migrate across the ocean blue. Mrs. BITA crosses an Ocean With your head full of brains and your shoes full of feet, you’re too smart to go down any not-so-good street. And you may not […]


The BackStory of Mrs. BITA: Part 4

When we last parted ways my startup had shut down, and I was making my way back to India, where I no longer had a job. Mrs. BITA moves to Bangalore While my startup was coughing and hacking on its deathbed, in the world of computing a giant and a […]

The BackStory of Mrs. BITA: Part 3

At the end of part 2 I had made it through engineering college, and discovered that I liked and was good at computer science. What would corporate life be like?   Mrs. BITA enters the workforce In our final year of engineering our college invited companies on-site for campus placements. […]