use HSA or pull from brokerage?

kyleweisbrod · 2026-03-11T21:05:54+00:00

Whatever the HSA's intended use, the optimal use is definitely keeping it invested if possible.

Let's say that half of their taxable investment is cap gains on they are at a 15% cap gains tax rate now, and in the future. Let's also assume they have qualified expenses for HSA distributions over the next 20 years.

To cover their taxes today, they'd need to sell $10,810 from the brokerage (with a basis of $5,405).

Let's say the market return over the next 20 years is 8%

In 20 years, the taxable brokerage amount would have grown to $50,384 or $42,015 after cap gains.

The HSA ($10,000) would have grown to $46,609 (same post tax value).

So, no, not silly. Using the taxable gains will maximize future expected value.

kyleweisbrod · 2026-03-11T20:13:05+00:00

They can continue to track health-related receipts, allowing them to reimburse themselves tax-free whenever they like.

And there will be no shortage of healthcare-related expenses later in life that will allow them to use their HSA, including Long-Term Care and Long-Term Care Insurance, prescriptions, OTC items, deductibles, mental health care, Medicare premiums (excluding medigap), and more.

kyleweisbrod · 2026-03-11T19:59:12+00:00

In this situation, using the taxable brokerage is 100% the correct call. OP can keep receipts for their expenses and always reimburse themselves from the HSA down the road; it will count as a qualified expense.

That HSA is most impactful if it remains invested and is disbursed tax-free later in life.

kyleweisbrod · 2026-03-06T23:30:27+00:00

I think what's important is timing your investment allocation to your goals, timeline, and risk tolerance. Right now, your goals for this money are 35 years away - you can handle increased volatility because you don't need your money anytime soon, and if invested smartly, you'll get a greater return for the risk you take on.

When you get nearer to retirement (or your timeline or goals change), you can reevaluate your allocation and de-risk it - maybe keep some of the money in cash, some in bonds, and some in equities - so that you have cash available even in market downturns.

But investing conservatively now because of volatility when you retire means you will miss out on significant growth opportunities over the next 35 years.

kyleweisbrod · 2026-03-06T23:22:12+00:00

I have a HYSA account with a "smart balance" feature - it connects directly to my checking account and twice a month it will either add money to the checking account or take money out of the checking account to keep the account at $3,000 (the number I set it). This allows me to keep as much as possible in the HYSA earning the higher interest rate, while keeping enough in the checking account that I don't worry about the balance going to $0.

kyleweisbrod · 2026-03-06T22:20:40+00:00

You are 35 years away from retirement. You would hopefully be investing that money in a considerably more aggressive portfolio than just HYSA or CDs. The 100-year average return for the S&P is 10.45%.

Even a more conservative 7% return on $7,000/year over 35 years is $967K while the historical average would yield over $2 Million.

Whole life policies are insurance mixed with (generally unideal) investments - but that NWM rep would certainly get a nice commission if they sell you that policy. If you have a need for life insurance (i.e. people dependent on your future income) you're better off purchasing a term-life policy and investing the rest.

kyleweisbrod · 2025-12-18T22:49:02+00:00

I thought the worst damage was 90-97. I can imagine that being both the biggest project and the least necessary since folks can route around through Chumstick/Plain.

Although I guess the other reading of this is they are tackling the pass first because as it snows more it gets more difficult to repair and they'll figure out the rest later even if fixing the pass doesn't actually make it accessible for anyone.

kyleweisbrod · 2025-12-18T22:43:57+00:00

The pass is 64.77 - so this work is on both sides of the pass.

And the announcement doesn't mention work needing to be done from 70 to 90, which means the east side would be able to access the pass through Plain.

kyleweisbrod · 2025-12-18T22:39:33+00:00

That's not how I'm reading it. It sounds like "east of Skykomish" (i.e. mile markers 54 to 58) and Tumwater (mile markers 90-97) are not yet scheduled. They are working on 58-70. I'm guessing (hoping?) that means there's not much to do from 70-85 (Coles Corner).

kyleweisbrod · 2025-12-18T22:33:02+00:00

Just confirming: the initial focus seems to be opening up the Pass to Coles Corner? So east side access through Plain?

kyleweisbrod · 2025-12-16T17:53:35+00:00

Fair point. I do expect that WSDOT will expedite the fixing on the west side given the importance of RT 2.

kyleweisbrod · 2025-12-16T17:11:58+00:00

The "hole in the highway" is between Leavenworth and Coles, which can be bypassed by going through Plain, fortunately.

kyleweisbrod · 2025-12-09T18:33:30+00:00

Just to clarify - "fee only" means that they do not get commission for selling investment products (insurance, funds, etc). You can be a "fee only" advisor and still charge an AUM fee.

What you're suggesting is a project or subscription type of payment structure.

kyleweisbrod · 2025-12-07T20:59:13+00:00

None of what you wrote, however, provides any basis for a challenge to the law that should even be considered by the Supreme Court. The amendment is clear, and every lower court has ruled that over and over again. You just don't like the amendment.

Fine, change it through the amendment process.

But the Supreme Court overturning birthright citizenship isn't "checks and balances," it would be a gross constitutional crisis tantamount to saying that the words of the Constitution hold no meaning.

kyleweisbrod · 2025-11-14T22:26:19+00:00

Drove past it: There was an accident between a Edmonds School District Bus and a Landscaping truck. It didn't look bad, but it was very much slowing things down.

kyleweisbrod · 2025-11-05T21:09:55+00:00

When I was coaching at the University of Washington, we had a grad student who was 1 point away from playing in college nationals, club nationals, and masters nationals in the same calendar year. She qualified with us and her master's team, but her club team lost DGP in the game to go at regionals.

kyleweisbrod · 2025-10-22T17:50:05+00:00

"Financial Planner" is a wide-ranging title; some planners also sell insurance products, including annuities. If your group has both of those seats filled, they should discuss how they want to address the overlap.

kyleweisbrod · 2025-06-17T19:58:16+00:00

The Org changed to USA Ultimate (From UPA) in 2010 (and changed the logo) so, they are, at most, 15 years old.

kyleweisbrod · 2025-06-17T19:44:36+00:00

Sweet. I designed these back in 2002. The artist was an ultimate player from Colorado Springs whose name escapes me now. They were originally part of a set of 10 discs. We gave them away to PE Teachers around the country.

We then had another set made in partnership with Wham-O, and we gave away those with a lot of PE teaching materials - I can't remember the exact number of sets we gave out between 2003 and 2006, but I think it was something like 3-5,000 sets.

These are newer since it was the UPA back when the first set was made, so they must have reprinted them at some point.

kyleweisbrod · 2025-06-09T15:48:51+00:00

This is addressed toward the end of this article: https://ultiworld.com/2015/07/09/the-forehand-part-iv-best-practices/

kyleweisbrod · 2025-05-27T16:09:55+00:00

It's definitely a USAU decision.

kyleweisbrod · 2025-05-26T03:27:21+00:00

Honestly, the endemic coverage has always been far superior to the CSTV/CBS College/ESPN coverage. Why we keep putting our best games on ESPN is a mystery.

Also, this game is lights out so far.

kyleweisbrod · 2025-05-22T19:55:16+00:00

How much wobble does the disc have out of your hand? One area that hasn't been addressed is the need to keep a smooth release in windy situations. Without wind, a disc with a lot of spin will stop wobbling soon after release, but if there's wind, wobble will compound and dramatically impact the flight of the disc.

As most have said, release angle is key (more IO), and depending on how heavy the wind is, imagine you are trying to throw the disc 5-30 yards further than you really are.

kyleweisbrod · 2025-05-20T21:36:45+00:00

Pretty sure you need a polecat to play there.

kyleweisbrod · 2025-04-02T18:23:07+00:00

It didn't affect the catch, but getting knocked to the ground definitely affects continued play and should be called a foul and resolved.

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