Investing

What investments are good for long term capital growth. Risk versus reward.

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Investing

Should I Use My HSA for Current Medical Bills or Invest It Like a Retirement Account? (What a 38-Year-Old With $12,000 in an HSA Should Know)

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Most people treat their HSA like a medical checking account — money goes in, copays come out. That's leaving serious money on the table. A 38-year-old who contributes $4,150/year to an HSA, invests it in a total market index fund instead of spending it, and pays medical bills out of pocket will accumulate approximately $290,000 in tax-free dollars by age 65 on the exact same medical expenses they would have paid anyway. Here's how the HSA stealth retirement strategy works and when it actually makes sense.

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Investing

How Much Should I Have in My 401k at 45 to Retire at 65 With $5,000 a Month?

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To retire at 65 with $5,000 per month in income, you need roughly $900,000 to $1,500,000 in retirement savings depending on your Social Security benefit. At age 45 with 20 years to retirement, the target balance right now is $250,000 to $500,000 — and the monthly contribution needed to fill any gap depends heavily on what you already have. Here's the exact math for every starting point.

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