How To

Exploring the World with a Toddler in Tow

“To my mind, the greatest reward and luxury of travel is to be able to experience everyday things as if for the first time, to be in a position in which almost nothing is so familiar it is taken for granted.” – Bill Bryson     When Progeny BITA popped […]

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 […]

Is there Spare Change in your Couch?

You know that feeling of putting your hand in your jacket pocket and finding $5? Or the feeling of lifting up a sofa cushion to vacuum and discovering loose change? Finding forgotten money is a happy feeling. And maybe, just maybe, if Santa agrees that you have been a very […]

Guide to Opening a Taxable Brokerage Account

A Step-By-Step Guide to Opening a Taxable Brokerage Account

Once you get your financial house in order, and are consuming personal finance blogs and books at a rate that practically ensures that you are violating one of the seven deadly sins, it is only a matter of time before you decide that you are going to have to open […]

How Not to Blow your Budget on Houseguests

The BITAs moved into the house we currently live in in late 2012. Between then and now we’ve had over twenty sets of house guests (what can I say? we are just such fun people to be around). Parents, in-laws, siblings, nieces, nephews, friends, aunts and uncles, second cousins – […]

Your 529 on Steroids: A Hitchhiker’s Guide to Superfunding

When Progeny BITA was a mewling babe, bawling and puking, peeing, cooing and spitting, we took one look at her and just knew she was college material. We did a bit of research, asked our friends for advice and eventually toodled off to good ‘ol Vanguard and opened a 529 college […]

How to Combine Chase Ultimate Rewards Points

The BITAs have recently ventured into the world of credit card churning (though I suspect that we are going to be in the running for being the world’s slowest churners. I mean, we haven’t actually churned a single card yet. We’ve kept every one). I lurked on /r/churning. I scoured […]

mega backdoor roth

Mega Savings from the Mega Backdoor Roth

We recently discovered that Mr. BITA’s workplace allows us to invest in a mega backdoor roth. Wheeeeeee. Mega what-now? The mega backdoor roth is the secret weapon in the financial independence arsenal. It isn’t that well known, it isn’t available to everyone, and it offers great tax benefits. This article […]