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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2022 2023 ACA Health Insurance Premium Tax Credit Percentages
If you get health insurance from ACA, the government sets the percentages of income you are expected to contribute toward a benchmark policy.
An Unusually High Marginal Tax Rate Means Paying Lower Taxes
An unusually high marginal tax rate isn’t a problem. You’re rewarded with paying lower taxes. You live on after-tax dollars, not rates.
2022 2023 401k 403b 457 IRA FSA HSA Contribution Limits
401k/403b/457 contribution limits will go up in 2022. Traditional and Roth IRA contribution limits will stay in the same.
2022 2023 Tax Brackets, Standard Deduction, 0% Capital Gains, etc.
The tax brackets, standard deduction, and the 0% capital gains tax cutoff point for single and married filing jointly filing statuses will go up next year.
2022 2023 2024 Medicare Part B IRMAA Premium MAGI Brackets
You pay higher Medicare Part B and Part D premiums if your income exceeds certain thresholds. Here are the IRMAA income brackets for 2022 2023, and 2024.
How to Split an Existing I Bond for Multiple Beneficiaries
You can name only one beneficiary on a savings bond. If you’d like to name two or more beneficiaries, you have to split your bond into multiple parts.