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
Create Custom Skills in AI for Repeat Tasks
Make AI work like a junior employee. Create a custom skill to teach it a task, hand over repeat jobs, and refine over time.
I Bonds Fixed Rate Is Going Up, Time to Sell
A rising I Bonds fixed rate is a signal to sell. Look up the fixed rate on your I Bonds and see how much room you have for taxes.
Converting a Trump Account to Roth Isn’t as Powerful as It Sounds
A Trump Account converts to Roth. A taxable account can’t, but it can still go into Roth within a few years, paying lower taxes along the way.
2026 2027 401k 403b 457 IRA FSA HSA Contribution Limits
The contribution and income limits for workplace retirement plans, FSA, and HSA will go up in 2027 to adjust for inflation. No change to IRA contribution limits.
How Close Were the IRMAA Income Bracket Projections?
My past IRMAA income bracket projections were all below the actual brackets announced in the following year. Use the lower 0% inflation projections.
Using ID.me Login with TreasuryDirect
TreasuryDirect will require ID.me login. It works, but there are serious privacy concerns.