Engineered Finance
Financial planning tools built for engineers. Show the math, expose the assumptions, tune the inputs.
fundamentals
What Is an Index Fund?
"Tracks the market" is technically accurate and practically useless. Here's how index funds actually replicate a benchmark, why active management faces a mathematical headwind after costs, and what concentration you take on when you buy one.
fundamentalsPre-Tax vs. Roth: The Math Behind the Choice
Both account types produce identical after-tax wealth under one specific condition. Understanding where that equivalence holds — and exactly where it breaks — is more useful than any rule of thumb.
fundamentalsThe Time Value of Money
Money has a time dimension. Here's the framework for measuring it precisely and why it sits beneath almost every financial calculation worth making.
fundamentals