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The Nike Mega Backdoor Roth: How Does it Work?

Nike Mega Backdoor Roth Basics The Mega Backdoor Roth 401(k) is one of the best employee benefits available to Nike employees. In this video we help you understand what the Mega Backdoor Roth is and how it can help you invest more towards retirement and reduce some of your future tax liabilities. How Much Can You Contribute to the Nike Mega Backdoor Roth? You probably know that within your Nike 401(k) you can contribute up to $19,500 per year if you’re under 50....
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Inflation is Here

Here is what is causing it and how it will affect you  It is hard to ignore the painfully expensive cost of just about everything nowadays. Many people point to the sudden 3 trillion-dollar printing spree by the federal government during the pandemic. This answer does in fact seem like the knee-jerking economist explanation. Printing 35% of all US currency in 10 months would lead to a lot of inflation, right? In truth, there are various factors to the increase in...
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What Does a Microsoft Compensation Package Include?

This video will help you understand how you get paid at Microsoft. It will help new employees and individuals interested in working at Microsoft gain a better understanding of what their compensation structure could look like. How are Microsoft employees paid? (the basics) There are a few different ways that Microsoft employees are compensated; base salary, annual cash bonuses, on-hire cash bonus, and stock awards (on-hire and annual). Base salary: This is very...
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How Much Should I Contribute to My Health Savings Account (HSA)?

Health Savings Accounts (HSA) are traditionally thought of as a tool to save money for out-of-pocket medical expenses. Many people do not fully understand how an HSA can reduce future tax bills and many more do not think of it as an investment tool. In this video I explain the tax-saving benefits and investment opportunities you should consider leveraging within your Health Savings Account. The Triple Tax-Advantage of a Health Savings Account The  HSA comes with...
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Tax in the City

Many high-income earners in Portland and Multnomah County—Oregon’s most populous county—are getting (or will soon get) a rude awakening upon opening their paychecks. Besides paying their usual Federal and State of Oregon income taxes, higher income earners are doing the heavy lifting to pay for the region’s new social programs.   Last November, voters in Multnomah County passed the county’s “Preschool for All” ballot measure. Starting in 2022, the tax will provide...
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Washington State Long-Term Care Tax

The WA Long-Term Care Trust Act (The WA Cares Fund) Did you know that beginning on January 1,  2022, employers will be required to collect a payroll tax on all compensation for every W-2 employee in Washington? If you work for one of Washington’s large tech employers – Amazon, Microsoft, Google, Facebook, etc. and make more than $300,000 you will want to learn how this new tax might impact you. This new payroll tax will be used to fund a state run, long-term...
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How does the Amazon Mega Backdoor Roth Conversion work?

Updated for 2021 The numbers behind the Mega Backdoor Roth Conversion You probably know that within your Amazon 401(k) you can contribute up to $19,500 per year if you’re under 50, and an extra $6,500 per year if you’re over 50. We’re just going to concentrate on folks who are under 50 for this example. If you max out your 401(k) with a $19,500 contribution, Amazon is going to provide you with a 50% match on your first 4% contributed, meaning that they will...
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How Will President Biden’s Proposed Tax Plan Affect High-Income Earners?

We know there are a lot of questions about President Biden’s proposed tax bill, and people are speculating about how the changes could affect them. In this video we outline the proposed tax plan, discuss who is most likely to be impacted, and explore steps you can take today to potentially reduce your future tax bills.   What do we know now? President Biden’s proposed tax plan could raise $1.5 trillion over the next decade. The proposal includes increases on...
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Investing Strategies for Amazon Employees

As an Amazon employee it is important to understand how your compensation structure works and to develop an investment strategy. The way you are compensated in your first two years of employment looks very different than how you are compensated in years three, four, and beyond which in turn shapes the ways in which you should think about investing. In the video below we walk you through an example of how to automate your investing year by year, helping you grow...
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Reduce Your Tax Bill Using the Microsoft Deferred Compensation Plan

Are you a Microsoft Level 67 or higher employee who wants to reduce taxes? The Deferred Compensation Plan benefit is an excellent way to reduce your tax bill by tens of thousands of dollars. In this video we provide an overview of the benefit. We feel this section on how to reduce your tax bill is by far the most important part of this video and worth explaining in greater detail. How Does the Microsoft Deferred Comp Plan Work? As you know, Microsoft employees are...
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Change Your Mind: The Five Best Finance Books That You Haven’t Read (Yet)

These books helped to shape my worldview and are an excellent complement to “conventional” textbook learning. There are numerous other books that might have made this list; I’m sure other people will argue that I missed this book or that book (Great! I’ll put them on my reading list). Each of these books offer unique perspectives from people who don’t shy away from their opinion, and in many ways have transformed how we think about decision making and finance. All...
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How I Invest

What drives my investing? It’s understanding that investing is for the long-term. It’s not a race to capitalize on market fluctuations. I don’t try to beat the market or to strike it big on a few trades and call it good. What drives my investing is what drives me in life. I don’t invest for the sake of making money, I invest so I can achieve my long-term goals and more importantly fulfill commitments I have made to my family and community. This commitment is...
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