Double tab navigation – What are your thoughts on this experience?

UPDATE: I ended up getting rid of the double set of tabs to simplify the experience. You can see the result on the site.

I have a UX issue I was hoping you could help with.

I'm redesigning our nav on SuperMoney to provide more layers of navigation but without taking up too much space. The site is going to be split up into three main areas - reviews, content, and tools.

See mockup:

Mockup of site with two levels of top nav, where the second level is scoped by the first, and side nav

For the content navigation, I designed the nav above which uses a double set of tabs. When you hover over Topics it will show the top level categories. Hovering over a category will show the sub-categories on the left sidebar (and relevant articles). Hovering over one of those sub-categories will update the articles shown again.

Do you think the nested tabs UX is confusing?

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