Should You Pay Off Debt or Save First? 0

Should You Pay Off Debt or Save First?

Both matter, but start with a small emergency fund ($1000) first. Then tackle high-interest debt (credit cards over 15%). Once that’s gone, build your full emergency fund (3-6 months expenses). Finally, split between investing...

Understanding HSAs: A Triple Tax Advantage 0

Understanding HSAs: A Triple Tax Advantage

Health Savings Accounts offer unique triple tax benefits: tax-deductible contributions, tax-free growth, and tax-free withdrawals for medical expenses. For 2025, contribute up to $4,300 (individual) or $8,550 (family). Unlike FSAs, HSAs roll over annually...