Blog Posts

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. […]

The BackStory of Mrs. BITA: Part 2

We continue where we left off in Part 1, childhood fast becoming a memory, the specter of college looming. Stumbling into my future The Indian education system is big on exams. As students we are beset by tests. There are tests every month, half-yearly tests and ‘final’ exams. I experienced […]

The BackStory of Mrs. BITA: Part 1

This is the first in a series of exceedingly self-indulgent posts. There won’t be much in the way of numbers here, so if numbers are your thing, move right along and I won’t hold it against you (I: Yes, you will. Me: I will not. I: Liar box). Why am […]

Rent or buy in the Bay Area

To Buy Or Not to Buy

To buy, or not to buy, that is the question: Whether ‘tis Smarter for the pocket to buy The House and hope for outrageous Fortune, Or to Rent and ne’er repair a Thing Buying vs. renting: the eternally debated question on financial independence and personal finance forums. Conventional wisdom says […]

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 […]