Articles

How are bonuses taxed? A bonus is ordinary income, but employers usually withhold it at a flat 22 percent or by the aggregate method. See the math.

US tax brackets are progressive, so income is taxed in slices. Your marginal rate is on your last dollar; effective rate is total tax over income.

Learn how to calculate your take-home pay step by step: start from gross, subtract federal tax, FICA, state tax, and 401(k) to find your net pay.

How much should you have saved by each age? A common guideline points to about 1x salary by 30, 3x by 40, 6x by 50, 8x by 60, and 10x by 67. See the math.

The 4% rule says you can withdraw about 4% of retirement savings in year one, then adjust for inflation. On $1 million that is $40,000. See the math.

What is the FIRE movement? FIRE means Financial Independence, Retire Early: save a large share of income so investments cover your costs decades sooner.

Roth vs traditional IRA: compare tax on contributions and withdrawals, RMDs, income limits, and early withdrawals to see which IRA fits your retirement plan.

How much do you need to retire? A common starting point is 25 times your annual spending, so 50,000 dollars a year targets about 1.25 million. See the math.

Learn how to calculate net worth: add up what you own, subtract what you owe, and track the single number that shows your financial progress over time.

Position sizing decides how much to risk per trade. Learn the 1 to 2 percent rule, the position size formula, worked examples, and how to protect capital.