HDHP vs PPO: Which Plan Type Costs You Less?
The HSA is the real argument for a high-deductible plan, and it is a strong one — if you can fund it.
Tag: Mid-career
Target-Date Funds: One Fund That Rebalances Itself
For most people a single low-cost target-date fund beats a portfolio they built and stopped maintaining.
The Backdoor Roth: How It Works and the Pro-Rata Trap
Two simple steps, one rule that can make the whole thing expensive.
Treasury Bills: Short-Term Government Debt for Savers
For savers in high-tax states, the state tax exemption can be worth more than the rate difference.
Avalanche vs Snowball: Which Debt Payoff Method Wins
One method is mathematically better. The other is the one more people finish.
Auto Insurance Coverage: What Each Line on Your Policy Does
State minimum liability limits were set decades ago and have not kept up with the cost of a serious crash.
Traditional IRA: Deduction Limits and Required Distributions
The deduction is the point, and it is the thing most likely to be phased out.
Health Savings Accounts: The Triple Tax Advantage in 2026
Deductible going in, untaxed while invested, untaxed coming out for medical costs. No other US account does all three.
Getting Out of Credit Card Debt
At 23% APR the minimum payment is a repayment schedule designed to last decades.
Homeowners Insurance: Replacement Cost, Exclusions and Getting the Limits Right
The most expensive mistake in a homeowners policy is insuring the market value of the house instead of the cost to rebuild it.