Blog
Short posts on taxes and early retirement.
- What changed for 2026
New brackets, a $16,100 standard deduction, a $24,500 401(k) limit, and a $40,400 SALT cap.
- FIRE planning mistakes
The ACA credit cliff, sequence risk, locked-up retirement money, and other errors that break the math.
- HSA as a retirement account
Invest the HSA, pay medical bills from cash, and keep the receipts.
- Roth conversion ladder
Spend 401(k) and IRA money before 59½ without the 10% penalty. Plan five years ahead.
- Tax loss harvesting
Offset gains and up to $3,000 of ordinary income, and stay clear of the wash-sale window.
- 401(k) or IRA first
Take the match, compare fees, then fill the cheaper account.