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.
Explore Topics
Recent Posts
2024 2025 Cap on Paying Back ACA Health Insurance Subsidy
You must pay back some of the ACA health insurance subsidy when your income is higher than estimated. See when you may benefit from the repayment cap.
How to Keep a Google Voice Number Permanent for 2FA
I use a Google Voice number for 2FA in all my financial accounts. Making the Google Voice number permanent puts it securely under my control.
2025 Social Security Cost of Living Adjustment (COLA) Projection
We project the Cost of Living Adjustment (COLA) for Social Security benefits next year under different scenarios. Retirees are better off with a lower COLA.
Ditch Banks — Go With Money Market Funds and Treasuries
Stop using banks and credit unions for cash savings. Use money market funds and Treasuries for better transparency and fairness.
2024 2025 Tax Brackets, Standard Deduction, Capital Gains, etc.
The tax brackets, standard deduction, and the capital gains tax cutoff point for single and married filing jointly filing statuses will go up in 2025.
2024 2025 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 2025 to adjust for inflation.