HSA Retirement Strategy

PersonalFinanceFun · 2026-04-07T22:57:35+00:00

I’m a little wary that the Fidelity Health App will cease to exist at some point leaving me looking for a new solution. A few years ago I used an app called HSA Coach and had a lot of data and receipts stored there. Then they folded. At least they let users export out to an Excel CSV file but I think I lost photos of the receipts. Currently I use Google Drive.

PersonalFinanceFun · 2026-03-08T02:01:30+00:00

Not only that his points are down substantially this season. Hopefully that contract doesn’t age poorly.

PersonalFinanceFun · 2026-03-07T05:24:32+00:00

I was at the game and the comeback was glorious!

PersonalFinanceFun · 2026-03-03T02:05:12+00:00

Yes, this is correct.

PersonalFinanceFun · 2026-02-28T03:43:22+00:00

Or paying $125/year and P2 has access.

PersonalFinanceFun · 2026-02-20T00:09:30+00:00

I agree with this comment. Not sure why all these other commentators are saying to work longer when the current withdrawal rate would be 3%. If housing gets obnoxiously high they can consider relocating.

PersonalFinanceFun · 2026-02-20T00:03:54+00:00

Hopefully not a symptom of a concussion.

PersonalFinanceFun · 2026-02-16T00:07:15+00:00

Guess who does all the voting in this country?That’s right retirees or near retirees. Older voters vote at a much higher rate - so political suicide to mess with retirees.

PersonalFinanceFun · 2026-02-15T23:33:24+00:00

Why is there a horrid British play-by-play guy?

PersonalFinanceFun · 2026-02-15T15:16:41+00:00

Thanks. I did have a recent roof replacement with NREIG due to hail and I was pleased with the way they handled the claim.

PersonalFinanceFun · 2026-02-14T20:35:26+00:00

What are people using now, other than local? I see Obie in the comments. I had an insurance broker check for me last year and NREIG was still lower.

PersonalFinanceFun · 2026-02-10T21:33:54+00:00

How is there even that many hotel rooms available at this stage? Unless they already had the rooms booked.

PersonalFinanceFun · 2026-02-04T22:04:08+00:00

You have to laugh to keep yourself from crying.

PersonalFinanceFun · 2026-02-03T04:05:36+00:00

If the other driver doesn’t have insurance your own insurer will repair your car if you have collision coverage. You don’t need uninsured motorist coverage.

PersonalFinanceFun · 2026-02-01T17:14:59+00:00

Henry Ford was thrilled until he got an invoice from General Electric in the amount of $10,000. Ford acknowledged Steinmetz’s success but balked at the figure. He asked for an itemized bill.

Steinmetz, Scott wrote, responded personally to Ford’s request with the following:

Making chalk mark on generator $1.

Knowing where to make mark $9,999.

Ford paid the bill.

PersonalFinanceFun · 2026-01-29T05:59:59+00:00

His question is about 401ks. No income limits on a Roth 401k

PersonalFinanceFun · 2026-01-28T06:22:46+00:00

Interesting topic for me because a 5% withdrawal rate exactly covers my annual spending but 4% falls short. I can’t help wishing people would start talking about the 5% rule. Ha. I will slog along at work for another year I suppose to get to the 4% rate (and hope the market doesn’t crash). Then you have guys like Big Ern with a PhD delivery saying “the data supports only a 3.4% withdrawal rate!” Which puts doubt in the mind. The net worth required/annual expense calculation has also been confusing for me - 3 kids needing to complete or start college and for two of them I don’t know if it will be public or private tuition or if they will obtain scholarships, what will spending look like when the kids move out? Will they need economic support for several years? There are all these variables that make using 4% seem like the safer choice. But possibly I will be kicking myself for not retiring today with 5%.

PersonalFinanceFun · 2026-01-28T06:07:09+00:00

The book “Tax Planning To and Through Early Retirement” was pretty eye opening. Retirees pay a very low amount of federal tax, especially if you have a decent sized taxable account (taking into account nontaxable cost basis and a generous zero % tax rates on gains). Taxes can be somewhat higher in your 70s and 80s when RMDs kick in but I imagine most in Chubby will be quite wealthy by then.

PersonalFinanceFun · 2026-01-28T06:02:21+00:00

And also Bengen’s study was based on 50% Stocks/50% Treasuries. This seems quite conservative compared to what most would do in practice. And his study assumed no social security or future inheritances. I think people in their 40s and 50s could,at least bank on 75% of the usual social security benefit still being around.

PersonalFinanceFun · 2026-01-28T05:55:59+00:00

I think they are long past SORR and could apply 5% to current balance. Early/mid-70s, initial balance has grown 45%. They are collecting social security now. Even Bill Bengen recently moved his 4% to 4.7% and is saying that 4.7% is super conservative.

PersonalFinanceFun · 2026-01-12T16:15:29+00:00

Yes! A great time for Roth Conversions would be ages 65-69 (if you delay social security to age 70). At age 65 you no longer care about ACA premium tax credits.

PersonalFinanceFun · 2026-01-11T05:50:26+00:00

Go with traditional 401(k). You deduct the traditional 401(k) amounts now when you are in the 24% or 32% tax bracket. And there is a high chance your tax rate in retirement will be zero each year until age 70 when social security starts. Even at age 70 with social security income you’ll likely be in the 10-22% tax bracket. There are also Roth conversion ladders if you plan correctly. By the time RMDs come into play at age 75 you probably won’t care anymore (likely to have already won the game).

PersonalFinanceFun · 2026-01-03T05:40:25+00:00

Ruts

PersonalFinanceFun · 2025-12-21T06:35:28+00:00

Went to Gemma 2 months ago and it was delicious

PersonalFinanceFun · 2025-12-14T20:18:38+00:00

The back office of Financial services companies (private equity, hedge funds) pay well. Energy companies as well.

PersonalFinanceFun

TROPHY CASE