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0:46 Was 100% thinking about that…

Personally, for years I used my mortgage as a tax write off. I then PAID off my mortgage and car loans... and went 100% into 401K and HSA contributions, and now file taxes with the standard deduction .. and pay LESS in taxes, while my 401k and HSA and after-tax accounts GROW (a lot).

2025 the limit is 23,500$. That is 903$ bi-weekly. The employers matching is allowed to exceed the limit.

HSA Account is the BEST Stock Trading Account there is. Tax free money in ... NO Taxes on trades ... and NO Taxes on money withdrawn. I only started using my HSA this way 3 years ago .. I max the contributions and have gone from an HSA balance of $0 .. to now $50,000, almost a 50% return in 3yrs. Each month I simply cost average purchase my favorite stocks a few shares at a time... it's brainless and a NO Brainer.

Yes

Friendly in some places

If I won, first person I talk to would be my CPA, at my age I would take the lump sum, if I was say 35 I would take the yearly payout.

100 percent in C you will become millionaires

1. tell no one 2. get outta' Dodge! 3. get attorney 4. see above and repeat

Free course

why not address the fact that to fund a roth 401k requires more money than a traditional 401k? The money spent on paying taxes now for a roth 401k could just be invested now, giving you more investable income now that will out grow a roth 401k.

I have been investing tsp since 2019

If anyone want to learn how to invest in tsp, ask me and I will show you how

I have watched thousands of videos so far in the topic of "Buying a house". However, none of them brought up this topic so clearly, so detailed, so convincingly, so ........... . Thanks a billion to you for talking about this specific topic and doing it very well!! I subscribe very very rarely..if any, but because of this very useful and successful video that you made, I am subscribing to you now. Congratulations for explaining so well ...writing the numbers on the screen, comparing things, ....

HMMM so with the change to where catchup goes, and if it is based on Medicare taxes, as an HCE that means you can't even do the withholding of salary to get down to it, since Medicare is still taxed on it, even though income tax is not. Yikes. Maxing out everything for 2025, then switching everything to Roth 401.

“Not an investment vehicle by choice” typically refers to an entity, account, or financial instrument that is not primarily designed or intended to serve as a means for investment or profit-making, but might inadvertently be used as one. Sounds spot on what an HSA is.

Wow good vedio

If you earn x money you won’t qualify for a Roth IRA. Instead the best retirement account is probably an IRA.

I should have started when i was 5 years old, what the hell was i thinking!

Im 51, Fed employee. So do i need to max my tsp or roth first? Im late to saving 😢

Let's say you're one of the upper 10% of earners and make $400k and pay $100k in taxes. You'll love it because you will be able to easily handle the inflation. Now, you're making $40k and pay next to nothing in taxes. You'll struggle to keep up with your day to day expense. Tariffs would be a windfall for the top 10% who pay 60% of the Ftaxes at present.

Thank you.

You were the one who misunderstood the question. The question was whether the HSA contributions should count towards her 15% budget allocation to investing. His answer was “no, make your HSA contribution and also hit the 15%.” That’s the conservative response. Advising that people invest their full HSA as a general rule seems irresponsible. Some consideration needs to be given on their likely timeframe for needing access to that money.

It takes 90 days of review and investigation even to watch the camera at the time of purchase so it's not true anyone cannot just claim the ticket

I don't see the link for the course....

Just remember that any contributions that your employer makes will be in the traditional fund. So plan on any of that money that they contributed being taxed in the back end if you put your contribution into the Roth TSP.

The HSA is definitely a good investment vehicle, but he is not disagreeing with that, he is saying it would not count towards the 15% for retirement that he recommends in his plan. He makes a plan for the average American not the savvy investor. The average American would not keep money in their HSA till retirement, but rather when hard times come, pull it out earlier.

The gains on these ideas are largely taxed at income tax rates which, for many high next worth individuals, are taxed every year at 32-37%. This makes them inefficient as taxes consume too much of the interest. Therefore large sums of cash are better held in stable, highly liquid investments that are taxed at capital gains rates. One example might be the BOXX ETF, though I’m not giving financial advice or making a recommendation.

Im using my HSA to invest... I can't use my 401k till later but can use my hsa to pay med stuff now....soooooooo😅

You’re also forgetting that you still have liquid viability of the money sustained in the HYSA as opposed to it being gone. Yes if you plan to sell to cut depreciation down then maybe pay it off but you still have the risk of finding a buyer. If you plan to keep the depreciating vehicle and have 50k or more in a HYSA and you have a high income then it’s more worth it to take the loan.

I have the cash to pay my model 3 2025 and I got a 1.99 Apr so I didn’t buy it cash because it doesn’t make sense. Cars are liabilities and I plan on having it for a decade. I earn 4.2-4.5 APR on the 42k and the Apr for the Tesla is 1.99 so even after my HYSA tax it’s still more money saved on the 5 year loan.

Don't use for contact lenses near term! think of it like a Roth account that shouldn't be used in near term. Invest as long term investment from the magnificent 7 for 10-30 year.

The more I learned about finances and investments the less faith I had in Dave Ramsey's advice.

His commenters spoke loud on this one

Dave missed the mark on this one