Disclaimer: This article is for informational and educational purposes only and is not financial, investment, legal, or tax advice. The author is a software eng...
When I started building FinanceTrackDaily on the SEC EDGAR API, the first insider filings I parsed were Form 4 transaction reports. They get the headlines &mda...
When I was building FinanceTrackDaily on top of the SEC EDGAR API, the filing type that surprised me most was not the famous 10-K or 8-K. It was Schedule TO —...
Building FinanceTrackDaily on top of the SEC EDGAR API meant I had to teach my aggregator how to recognize, parse, and store every common filing type a US publi...
When I built FinanceTrackDaily on top of the SEC EDGAR API, I quickly realized that one of the most-searched filing types was not the massive 10-K annual repor...
SECURE 2.0 Act 2026 Changes: Auto-Enrollment, Enhanced Catch-Up, and Student Loan Match Explained Building FinanceTrackDaily—an aggregator that continuously...
Disclaimer: This article is for informational and educational purposes only and does not constitute financial advice. The author is a software engineer, not a l...
Tax-Loss Harvesting in 2026: A Beginner's Guide to Turning Losses Into Tax Savings Building FinanceTrackDaily on top of the SEC EDGAR API has given me a front...
Disclaimer: This article is for informational purposes only and is not financial advice. Every investor's situation is different. Please consult a licensed fin...
Last updated: April 15, 2026 | Reading time: 10 minutes Disclaimer: This article is for informational purposes only and does not constitute financial advice. P...
Last updated: April 14, 2026 | Reading time: 10 minutes Disclaimer: This article is for informational purposes only and does not constitute financial advice. Co...
Life has a way of throwing curveballs when you least expect them. A sudden job loss, an unexpected medical bill, a major car repair -- these financial shocks ca...
I Keep One Month of Bills in a Separate Buffer Account and It Is the Least Exciting Money Habit That Ever Lowered My Stress There are money habits that feel im...
Last October I had a problem most personal finance articles never address honestly: I had $40,000 sitting in a checking account earning basically nothing, and I...
I Recalculated My Emergency Fund After the April Tariffs Hit — And the Old "Three to Six Months" Rule Is Dangerously Outdated On April 2nd, 2026, I opened my...
Trump Just Announced the Biggest Tariff Package Since Smoot-Hawley and Your Grocery Bill Is About to Get Uglier — A Household-Level Breakdown of What You Will...
Are High-Yield Savings Account Rates About to Crater? Yes. If the Federal Reserve follows through on the two additional rate cuts widely expected in Q2 and Q3 ...
My friend Fanny Engriana called me on a Sunday — always a bad sign — and asked whether his employer's new health plan offered an HSA or an FSA. "Does it mat...
Let me tell you about the most expensive math mistake of my career. April 2025. I am sitting in Jennifer Kowalski's office — she is a CPA in Portland who char...
Last April, I sat in my accountant's office at 9:30 AM on April 14th — literally the day before the IRA contribution deadline — and watched her face do th...
Last April, I sat in my accountant's office while she explained the backdoor Roth IRA to me. Fifteen minutes. Four hundred dollars. And honestly? She could have...
I will never forget the look on my dad's face at Thanksgiving 2023 when he realized he had been contributing to his traditional IRA for three years without actu...
My sister called me on a Tuesday evening in February, the kind of call that starts with "I have a quick question" and ends forty-five minutes later with both of...
My Dad Put Everything in His 401k for 30 Years — Then His Financial Advisor Said He Should Have Split It With an IRA Last Thanksgiving, my dad dropped a bom...
A Substack Exposé Just Blew Up the Entire Compliance Industry — And If You Have Invested in Any Startup That Claims SOC 2, You Need to Read This I was halfw...
My friend Rachel texted me at 9:47 PM on Sunday night. No greeting, no context, just a Reuters link and the words "please tell me this is a joke." It was not a ...
This article is for informational and educational purposes only and does not constitute financial advice. Consult a licensed financial advisor before making inv...
My buddy Tom, who sells commercial insurance out of a cramped office in downtown Tampa, called me at 7:15 AM on a Wednesday. That is never good. Tom does not ca...
A Journalist Received Death Threats Over a News Story — Because Gamblers Had Money on the Outcome Last Tuesday night, around 11:20 PM, I was scrolling throug...
When my neighbor Diane knocked on my door last Tuesday evening — wine in one hand, laptop in the other — I assumed she wanted help connecting to her new pri...
My friend Carla applied for a marketing manager position at a mid-sized SaaS company last month. She's got eight years of experience, a portfolio that speaks fo...
A post hit the top of Hacker News yesterday with the title “Create value for others and don’t worry about the returns.” It generated over 300 ...
It is March 11th. Tax Day — April 15th, 2026 — is exactly five weeks from today. If you have not filed yet, you are not alone. According to the IRS, roughly...
On January 2nd, 2026, I did something that my friends called "unhinged" and my financial advisor called "actually kind of brilliant": I cut up my debit card, de...
Nobody teaches you how to do taxes. Not in high school. Not in college. You just turn 22, get a W-2, and suddenly you are expected to figure out a system that c...
I remember staring at my bank account with exactly $127 to my name, thinking investing was something only people in suits with six-figure salaries did. That was...
Every personal finance article about Roth vs Traditional IRA ends the same way: "It depends on your situation." Which is technically true and practically useles...
Every personal finance article recommends the 50/30/20 rule. Spend 50% on needs, 30% on wants, 20% on savings. It is simple, clean, and completely disconnected ...
January 2nd, I opened my bank statement and stared at a number that made my stomach drop. Not because I was broke — because I genuinely could not explain wher...