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The Boring Newsletter, 7/21/2024

Hi Friendos, Last week I wrote about the maximum amount you can contribute to an HSA and an IRA each year. I said: “HSA and IRA contribution limits are separate from each other and from job-based account limits. In general, the max you can contribute across types of accounts is: HSA max + IRA max […]

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The Boring Newsletter, 5/19/2024

Hi Friendos, The last few weeks I’ve discussed the benefits of saving for retirement into one type of tax-sheltered account vs. another. I wrote: “I believe the existence of such accounts is terrible policy and we should get rid of all of them!” Today I’d like to spotlight some research that supports my perspective. I […]

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The Boring Newsletter, 5/5/2024

Hi Friendos, Today I will continue the discussion about types of tax-advantaged investment accounts, like 401k’s and IRAs, and how to decide which type of account you should put your money in. At some point, nearly everyone saving for retirement will grapple with whether to put money into a Roth account or a traditional account. […]

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The Boring Newsletter, 4/28/2024

Hi Friendos, Today I would like to start a discussion about types of tax-advantaged investment accounts, like 401k’s, IRAs, and HSAs, and how to decide which type of account you should put your money in. I have always been a huge booster of such accounts, so it may surprise you to learn that I believe […]