Having a very high deductible on health insurance gives you the freedom to choose any provider and pay less than the rate you’d otherwise pay through insurance.
Latest Blog Posts
Paying Estimated Taxes: Amount, Timing, and Mechanics
Paying estimated taxes based on previous year’s tax is the easiest. Estimate your income and taxes only when you have a large drop in income.
Absolute Value vs Relative Value: Doing Nothing Is Not The True Alternative
Be careful when you hear an argument based on the value over doing nothing, because doing nothing is almost never the true alternative.
401k Match Policies: Every Payroll and True-Up
If your employer has an outdated 401k match policy you will have to do extra work. Employers current with the best practice give a true-up match every payroll.
How To File EITC and Child Tax Credit For Free: TurboTax Edition
Stop paying $200 to file your taxes just to receive Earned Income Tax Credit and Child Tax Credit. Here’s how to do it for free with TurboTax.
When Health Insurance Makes Healthcare More Expensive
Health insurance induces more treatments and higher prices. More treatments and higher prices make health insurance more expensive.
Polepole: Anti-FOMO In Preparing for Retirement
Reject FOMO. Go at your own pace in preparing for retirement.
Receive EITC, Contribute to Traditional 401k Not Roth 401k
If you receive EITC or the ACA subsidy, you should contribute to the Traditional 401k, not to the Roth 401k.
CD vs Bond Fund, Five Years Later
A CD special five years ago beat investing in a bond fund as expected.
Free International Wire Transfer via Fidelity or Vanguard
When you need to do an international wire transfer, do it through Fidelity or Vanguard.