Teja Pagidimarri is the founder and editor of 43dots. He is a software developer by trade, not a CPA or a licensed financial advisor, and the site is deliberately built around what that background is actually good for: reading the primary documents, checking the arithmetic, and turning both into tools other people can use.
That shapes what gets published here. Where a number exists in an official document, this site quotes it and links it: the IRS Revenue Procedures, the Federal Reserve, the CFPB, the credit bureaus, or the institution's own rate page. Where a number does not exist yet, such as a tax bracket for a year the IRS has not announced, the site says so plainly and shows the statutory formula used to project it, so a reader can redo the calculation.
What you will not find here is a recommendation about what you personally should do with your money. That requires knowing your situation and a license neither of which this site has. 43dots explains how the rules work and what the numbers are; the decisions stay yours.
Latest by Teja
Banking 6 money jobs ranked by what they pay per hour of your time Teja Pagidimarri · August 11, 2026 · 11 min read 
Taxes Your W-4, your refund, and why a big refund is not a win Teja Pagidimarri · August 5, 2026 · 6 min read 
Credit Cards Do credit card rewards actually pay? Run the numbers Teja Pagidimarri · August 5, 2026 · 5 min read 
Credit Score What credit score do you need for a mortgage? Teja Pagidimarri · August 5, 2026 · 5 min read 
Banking How much emergency fund do you actually need? Teja Pagidimarri · August 5, 2026 · 4 min read 
Retirement 401(k) and IRA contribution limits for 2026 Teja Pagidimarri · August 4, 2026 · 5 min read 
Retirement Roth vs traditional: the only question that actually decides it Teja Pagidimarri · August 4, 2026 · 5 min read 
Credit Score How long negative items stay on your credit report Teja Pagidimarri · August 4, 2026 · 5 min read 
Credit Score Hard vs soft credit inquiries, and the rate-shopping window Teja Pagidimarri · August 4, 2026 · 5 min read 
Credit Cards Is a balance transfer worth it? Run these numbers first Teja Pagidimarri · August 4, 2026 · 5 min read 
Loans Debt-to-income ratio: the number lenders check before your score Teja Pagidimarri · August 4, 2026 · 5 min read 
Loans Pay off the loan early, or invest the money? Teja Pagidimarri · August 4, 2026 · 5 min read