Hi, I’m Harry. I’ll show you the nuts and bolts of managing your money.
401k, IRA, investing, insurance, taxes, … I lived, breathed, and wrote about these for so many years. No fluff, just concrete first-hand learning and sharing.

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Recent Posts
When to Claim Social Security: How Much Does It Matter, Anyway?
The best strategy for when to claim Social Security benefits resides in a wide zone. It doesn’t matter much when you choose a date within the zone.
Taking Risks That the Market Decides to Reward
Getting rewarded by the market for the risks you take can be life-changing, but a diversified portfolio is more reliable.
Proof of Funds or Balance Confirmation for Fidelity Accounts
How to create a proof of funds or balance confirmation for your Fidelity accounts. Don’t share your account statement. The less you disclose, the better.
Trump Account: IRA for Kids With No Earned Income
Trump account is a non-deductible Traditional IRA for kids with no earned income. It isn’t as good as a custodial Roth IRA, a 529 plan, or a UTMA account.
2025 2026 Tax Brackets, Standard Deduction, Capital Gains, QCD
The tax brackets, standard deduction, and the capital gains tax cutoff point for single and married filing jointly filing statuses will go up in 2026.
2025 2026 401k 403b 457 IRA FSA HSA Contribution Limits
The contribution and income limits for workplace retirement plans, Traditional and Roth IRA, FSA, and HSA will go up in 2026 to adjust for inflation.