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
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Credit Scores & Cards What credit score do you need for a mortgage? Updated October 7, 2026 · 6 min read 
Banking & Saving How much emergency fund do you actually need? Updated October 7, 2026 · 5 min read 
Taxes & Retirement 401(k) and IRA contribution limits for 2026 Updated October 7, 2026 · 6 min read 
Taxes & Retirement Roth vs traditional: which one fits your tax rate Updated October 7, 2026 · 6 min read 
Credit Scores & Cards How long negative items stay on your credit report Updated October 7, 2026 · 6 min read 
Credit Scores & Cards Hard vs soft credit inquiries, and the rate-shopping window Updated October 7, 2026 · 5 min read 
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Loans & Debt Debt-to-income ratio: the number lenders check before your score Updated October 7, 2026 · 8 min read 
Loans & Debt Pay off the loan early, or invest the money? Updated October 7, 2026 · 7 min read