Code To Financial Independence
@codetofire.bsky.social
🤓 Posting the lessons from 10 years in FAANG for free
🇺🇸 US focused personal finance education
⬇️ Follow and join newsletter for free updates!
Chasing financial freedom and PNW adventures—unfiltered & real.
🇺🇸 US focused personal finance education
⬇️ Follow and join newsletter for free updates!
Chasing financial freedom and PNW adventures—unfiltered & real.
Defuse Your RSU Tax Bomb: Smart Strategies for Tech Employees
Avoid surprise taxes from RSU vestings. Learn to adjust withholdings, use tax-advantaged accounts, and plan ahead. Don’t let equity comp shock you! 💸💡 #TechTaxTips
Avoid surprise taxes from RSU vestings. Learn to adjust withholdings, use tax-advantaged accounts, and plan ahead. Don’t let equity comp shock you! 💸💡 #TechTaxTips
Your RSUs Are a Tax Time Bomb: Here's How to Defuse It
RSUs trigger taxable income at vesting, often creating unexpected liabilities. Proactive planning helps optimize withholding rates and minimize long-term exposure.
www.codetofire.com
March 4, 2025 at 3:17 AM
Defuse Your RSU Tax Bomb: Smart Strategies for Tech Employees
Avoid surprise taxes from RSU vestings. Learn to adjust withholdings, use tax-advantaged accounts, and plan ahead. Don’t let equity comp shock you! 💸💡 #TechTaxTips
Avoid surprise taxes from RSU vestings. Learn to adjust withholdings, use tax-advantaged accounts, and plan ahead. Don’t let equity comp shock you! 💸💡 #TechTaxTips
Growth of $10,000 investment from 10 years ago:
• Vanguard IT ETF, $VGT - $62,239
• Vanguard S&P 500 ETF, $VOO - $34,622
• Vanguard Total US ETF, $VTI - $33,344
• HYSA - $11,950
Invest your money for the long term.
#personalfinances #fire #codetofire
• Vanguard IT ETF, $VGT - $62,239
• Vanguard S&P 500 ETF, $VOO - $34,622
• Vanguard Total US ETF, $VTI - $33,344
• HYSA - $11,950
Invest your money for the long term.
#personalfinances #fire #codetofire
February 23, 2025 at 9:58 PM
Growth of $10,000 investment from 10 years ago:
• Vanguard IT ETF, $VGT - $62,239
• Vanguard S&P 500 ETF, $VOO - $34,622
• Vanguard Total US ETF, $VTI - $33,344
• HYSA - $11,950
Invest your money for the long term.
#personalfinances #fire #codetofire
• Vanguard IT ETF, $VGT - $62,239
• Vanguard S&P 500 ETF, $VOO - $34,622
• Vanguard Total US ETF, $VTI - $33,344
• HYSA - $11,950
Invest your money for the long term.
#personalfinances #fire #codetofire
🛡️ Don’t let your future hinge on one stock! Diversify smarter:
→ Shift to index funds/ETFs
→ Add real estate (REITs) & bonds
→ Explore global markets 🌍
💰 Protect wealth, stay balanced!
#InvestingTips #DiversifyNow #FinancialFreedom #PersonalFinances
→ Shift to index funds/ETFs
→ Add real estate (REITs) & bonds
→ Explore global markets 🌍
💰 Protect wealth, stay balanced!
#InvestingTips #DiversifyNow #FinancialFreedom #PersonalFinances
Beyond RSUs: Smart Strategies for a Diversified Portfolio
Diversification is key to protecting your financial future. Here are some strategies to reduce reliance on your company stock while maintaining a strong investment portfolio.
www.codetofire.com
February 23, 2025 at 8:22 PM
🛡️ Don’t let your future hinge on one stock! Diversify smarter:
→ Shift to index funds/ETFs
→ Add real estate (REITs) & bonds
→ Explore global markets 🌍
💰 Protect wealth, stay balanced!
#InvestingTips #DiversifyNow #FinancialFreedom #PersonalFinances
→ Shift to index funds/ETFs
→ Add real estate (REITs) & bonds
→ Explore global markets 🌍
💰 Protect wealth, stay balanced!
#InvestingTips #DiversifyNow #FinancialFreedom #PersonalFinances
New post up! 💸 Want to automate your paycheck investing? I break down a step-by-step process using Chase, Fidelity/Vanguard, and Ally to make investing effortless. Check it out! #Investing #Automation #PersonalFinances #FIRE
Set It and Get Rich: Your 2025 Playbook for Automated Wealth Building
Learn how to seamlessly automate your paycheck this step-by-step guide using Chase, Fidelity/Vanguard, and HYSA accounts.
www.codetofire.com
February 16, 2025 at 9:14 PM
New post up! 💸 Want to automate your paycheck investing? I break down a step-by-step process using Chase, Fidelity/Vanguard, and Ally to make investing effortless. Check it out! #Investing #Automation #PersonalFinances #FIRE
🚀 The final chapter in the series is out now!
Chapter 1: Defining the Basics
Chapter 2: Defining the Goal
Chapter 3: Finding You Net-worth
Chapter 4: Optimizing Tax Advantage Accounts
Chapter 5: Optimizing Taxable Accounts
Chapter 6: It All Adds Up
#personalfinances #money
Chapter 1: Defining the Basics
Chapter 2: Defining the Goal
Chapter 3: Finding You Net-worth
Chapter 4: Optimizing Tax Advantage Accounts
Chapter 5: Optimizing Taxable Accounts
Chapter 6: It All Adds Up
#personalfinances #money
FI/RE Chapter 6 - It All Adds Up!
In this post, we’ll explore how to determine if we can actually retire based on our current expenses, savings, and net worth. Additionally, we’ll discuss potential strategies to expedite this.
www.codetofire.com
February 12, 2025 at 5:13 AM
🚀 The final chapter in the series is out now!
Chapter 1: Defining the Basics
Chapter 2: Defining the Goal
Chapter 3: Finding You Net-worth
Chapter 4: Optimizing Tax Advantage Accounts
Chapter 5: Optimizing Taxable Accounts
Chapter 6: It All Adds Up
#personalfinances #money
Chapter 1: Defining the Basics
Chapter 2: Defining the Goal
Chapter 3: Finding You Net-worth
Chapter 4: Optimizing Tax Advantage Accounts
Chapter 5: Optimizing Taxable Accounts
Chapter 6: It All Adds Up
#personalfinances #money
Vanguard is reducing fees on 168 share classes across 87 funds, saving investors over $350 million annually.The cost of a globally diversified total market portfolio has never been lower. Kudos to Vanguard! Looks like ex-usa got the biggest cut(s)
#personalfinances #vanguard #investing
#personalfinances #vanguard #investing
February 5, 2025 at 6:33 AM
Vanguard is reducing fees on 168 share classes across 87 funds, saving investors over $350 million annually.The cost of a globally diversified total market portfolio has never been lower. Kudos to Vanguard! Looks like ex-usa got the biggest cut(s)
#personalfinances #vanguard #investing
#personalfinances #vanguard #investing
📈 Chapter 5 is LIVE! We look into options to invest post tax money.
Confused about Mega Backdoor Roth? Wondering which index funds to pick for your taxable account? Dive into our latest chapter for the complete investment roadmap 🚀
#financialindependence #personalfinances #WealthBuilding
Confused about Mega Backdoor Roth? Wondering which index funds to pick for your taxable account? Dive into our latest chapter for the complete investment roadmap 🚀
#financialindependence #personalfinances #WealthBuilding
FI/RE Chapter 5 - Optimizing Taxable Investments
Hey, what’s Mega Backdoor Roth? Which Index Funds should I pick? In this post, we’ll dive into all the investment options for a taxable account.
codetofire.substack.com
February 3, 2025 at 7:33 PM
📈 Chapter 5 is LIVE! We look into options to invest post tax money.
Confused about Mega Backdoor Roth? Wondering which index funds to pick for your taxable account? Dive into our latest chapter for the complete investment roadmap 🚀
#financialindependence #personalfinances #WealthBuilding
Confused about Mega Backdoor Roth? Wondering which index funds to pick for your taxable account? Dive into our latest chapter for the complete investment roadmap 🚀
#financialindependence #personalfinances #WealthBuilding
Chapter 4 of the series is out now! Maximize Your Money, HENRYs! 🚀 Max out your 401(k) at $23K, snag that employer match, and leverage HSA's triple tax advantage. Don't forget backdoor Roth IRAs if you're over income limits. Smart tax moves today = wealth tomorrow. #PersonalFinance #WealthBuilding
FI/RE Chapter 4 - Optimizing Tax Advantage Investments
In this post we discuss what all steps we should take to saves taxes while at the same time building an investment portfolio.
codetofire.substack.com
January 31, 2025 at 4:30 PM
Chapter 4 of the series is out now! Maximize Your Money, HENRYs! 🚀 Max out your 401(k) at $23K, snag that employer match, and leverage HSA's triple tax advantage. Don't forget backdoor Roth IRAs if you're over income limits. Smart tax moves today = wealth tomorrow. #PersonalFinance #WealthBuilding
Chapter 3 of FI/RE is out now! We look into tracking your net-worth using online apps. Regular checks help you stay on top of your finances. Remember: Net Worth = Assets - Liabilities. Choose a method and stick to it for best results.
#FinancialIndependence #PersonalFinances #FAANG
#FinancialIndependence #PersonalFinances #FAANG
FI/RE Chapter 3 - Finding Your Net-worth
What is my net-worth? How do I automate tracking my expenses and savings?
codetofire.substack.com
January 29, 2025 at 2:44 AM
Chapter 3 of FI/RE is out now! We look into tracking your net-worth using online apps. Regular checks help you stay on top of your finances. Remember: Net Worth = Assets - Liabilities. Choose a method and stick to it for best results.
#FinancialIndependence #PersonalFinances #FAANG
#FinancialIndependence #PersonalFinances #FAANG
Follow a Seattle Software Engineer’s real-world journey to Financial Independence. Chapter 2 of the 6 part series is out!
Do check out and let me know your thoughts!
Do check out and let me know your thoughts!
FI/RE Chapter 2 - Define The Goal
As a FAANG software engineer, what is the FIRE number I should aim for? How do I come up with this number? We answer these questions by using a real world example in this post.
codetofire.substack.com
January 26, 2025 at 1:10 AM
Follow a Seattle Software Engineer’s real-world journey to Financial Independence. Chapter 2 of the 6 part series is out!
Do check out and let me know your thoughts!
Do check out and let me know your thoughts!
💸🌍 FI/RE Chapter 1 - First post is out where we discuss the basics of Financial Independence/Retire Early.
codetofire.substack.com/p/fire-chapt...
#FIRE #CodeToFire #FinancialIndependence #FAANG #PersonalFinancial
codetofire.substack.com/p/fire-chapt...
#FIRE #CodeToFire #FinancialIndependence #FAANG #PersonalFinancial
FI/RE Chapter 1 - Defining The Basics
What is financial independence? How much money do I need to retire comfortably?
codetofire.substack.com
January 25, 2025 at 3:25 AM
💸🌍 FI/RE Chapter 1 - First post is out where we discuss the basics of Financial Independence/Retire Early.
codetofire.substack.com/p/fire-chapt...
#FIRE #CodeToFire #FinancialIndependence #FAANG #PersonalFinancial
codetofire.substack.com/p/fire-chapt...
#FIRE #CodeToFire #FinancialIndependence #FAANG #PersonalFinancial
Cracking the code of financial freedom: Tech professional sharing unfiltered FIRE strategies and wealth-building insights using real world examples. From cubicle to freedom, one strategic choice at a time.
codetofire.substack.com
#FIRE #PersonalFinance #TravelLife
codetofire.substack.com
#FIRE #PersonalFinance #TravelLife
Code to FI/RE | Nikhil Khorwal | Substack
10 years in FAANG, sharing unfiltered insights on personal finance and FIRE for tech professionals. Exploring Pacific Northwest's breathtaking landscapes while charting a course to financial independe...
codetofire.substack.com
January 25, 2025 at 3:03 AM
Cracking the code of financial freedom: Tech professional sharing unfiltered FIRE strategies and wealth-building insights using real world examples. From cubicle to freedom, one strategic choice at a time.
codetofire.substack.com
#FIRE #PersonalFinance #TravelLife
codetofire.substack.com
#FIRE #PersonalFinance #TravelLife