Zero

From Sree Tripuramallu · 2026—

Letters

Essays on wealth, tax code, equity, and the parts of money that never make sense. Written for readers who want to understand the math, not just be told what to do.

  1. 13

    Don't Roll Over

    The hidden tax advantage sitting inside your 401(k).

  2. 12

    The Loss Bank

    Harvesting losses to pay $0 in capital gains on a tender offer.

  3. 11

    You Shouldn't be Investing in the S&P 500

    An argument against index funds like VOO, SPYM, VTI, etc

  4. 10

    Squeezing more juice from your 401(k)

    The 401(k) setting most people never consider

  5. 09

    The Sticker Price Is a Lie

    A framework for buying your first home

  6. 08

    Using Donations to Offset Capital Gains

    How donations reduce income to owe less capital gains

  7. 07

    The Health Savings Account Paradox

    Why you should never use your HSA to cover medical expenses

  8. 06

    The tax code secretly loves your second child

    A 529 quirk lets parents stack six figures for a child before they're born.

  9. 05

    The Fallacy of Savings Accounts

    The true cost of having a high yield savings account

  10. 04

    The Invisible $500K tax in your 401(k)

    The default-setting trap that quietly eats retirement nest eggs.

  11. 03

    How Anthropic engineers will lose 56% of their equity

    Paper wealth and actual cash are two very different things.

  12. 02

    The Phantom Tax

    Making $0 in profit still generates a tax bill.

  13. 01

    Tax laws are penalizing couples for tying the knot

    The SALT cap doubled to $40,000 — but not if you're married.