Finance & Business

Personal Finance

Budgeting, debt, savings, taxes, retirement, and personal money management

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Why Owl Post covers Personal Finance

Personal finance content is dominated by content-marketing fluff. Ten ways to save on coffee. Fifty habits of millionaires. The same five Roth IRA explainers republished every quarter with a fresh date.

The coverage that actually affects your decisions moves faster than most personal finance blogs track: tax law changes that hit next April, retirement account contribution limits and rules that shifted quietly, interest rate moves that change the math on debt payoff versus investing, credit card and high-yield savings product changes that reward attention. Owl Post surfaces these updates when they are relevant and actionable, not when they are easy to repackage as evergreen content.

Read the full Personal Finance briefing

The beat covers individual income tax (rates, deductions, credits, and the rule changes that alter your filing), retirement accounts across the main vehicle types, debt management and the interest rate environment that shapes repayment math, savings and investment products including high-yield accounts and the brokerage landscape, and broader economic conditions that affect household finances. Owl Post reads IRS guidance, congressional tax bills, Fed rate decisions, and the personal finance reporters who cover these areas with rigor rather than with affiliate links.

Your digest adapts to how you like to absorb financial information. If you want the key change and its practical implication delivered cleanly without preamble, it reads that way. If you want more context around why a rule changed and what the downstream effects look like, that framing is available.

A daily personal finance digest. The tax, savings, and money rule changes that actually affect your decisions, not just the ones that make for a good headline.

I built a free no-tax-on-overtime calculator — here is the OBBBA §70202 math

I have been learning SEO this year, and my first real project is a free calculator for the new US federal overtime tax deduction. Building it forced me to read the actual statute (OBBBA §70202, new IRC §225), because most existing calculators get the math wrong. Here is what the law actually says, with the numbers worked out. For tax years 2025 through 2028, employees can deduct the FLSA overtime premium from their federal taxable income. The key word is premium. Only the extra half (0.5x) you earn on overtime hours qualifies, not your full overtime pay. If you earn $25/hour and work 10 overtime hours, your overtime pay is $375, but the deductible premium is only $125 (10 hours x $12.50). Most calculators I found either deduct the full overtime amount or ignore the caps entirely. Both are wrong. The deduction is capped at $12,500 per year for single and head of household filers, $25,000 for married filing jointly. Then it phases out: the cap shrinks by $100 for every $1,000 of MAGI above $150,000 (single) or $300,000 (joint), hitting zero at $275,000 / $550,000. The phaseout uses a floor rule, so even $1 over a $1,000 bracket costs you the full $100. Worked example: $25/hour, 10 overtime hours every week, 22% bracket. Annual premium = $6,500. Tax savings = $6,500 x 0.22 = $1,430. Phaseout example: single filer, $165,000 MAGI. That is $15,000 over the threshold, so the cap drops by $1,500 to $11,000. FICA and state taxes still apply to the premium. Married filing separately is excluded. Salaried exempt workers, contractors, and gig workers are out. If you work two jobs, the cap combines across both. And your employer reports the premium in W-2 Box 12 under Code TT starting with tax year 2026. The calculator itself is a static site, all the math runs client side in the browser with no signup and no data leaving the page. The phaseout floor rule and the two-job cap combining were the fiddliest parts to get right. I also built a second calculator that does pay plus tax

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