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
ACA Premium Subsidy Cliff After the New 2025 Trump Tax Law
The 2025 new Trump tax law didn’t extend the enhanced ACA premium subsidy. Manage your income carefully to stay under the tax credit cliff.
Social Security Is Still Taxed Under the New 2025 Trump Tax Law
The new 2025 Trump tax law doesn’t eliminate federal income tax on Social Security benefits. Social Security is still taxable just as before.
Use an Independent Agent for Auto and Home Insurance
Using an independent agent for auto and home insurance gives you a different channel for lower premiums. It’s worth a try.
eSIM for International Travel Mobile Data Roaming
U.S. phone companies charge exorbitant prices for international mobile data roaming. Buying an eSIM for international travel costs under $10.
2025 2026 HSA Contribution Limits and HDHP Qualification
2025 and 2026 HSA contribution limits and HDHP qualifications for individual and family coverage. Small changes in 2026 due to mild inflation.
Backdoor Roth in FreeTaxUSA: Recharacterize & Convert, Same Year
Follow this detailed walkthrough of how to report a Roth conversion in FreeTaxUSA after recharacterizing a Roth IRA contribution in the same year.