HSA Conversions for Very Early Retirees

I've written previously about the incredible opportunity of using your HSA as a stealh retirement account (for those who can afford to do so). More recently, I wrote about a variation on that strategy for folks who were not maxing out their Roth contributions. Today's post is about a strategy that some very early retirees … Continue reading HSA Conversions for Very Early Retirees →

Leveraging Your HSA to Increase Your Roth Contributions

I've written previously about how folks who can afford to both contribute to a Health Savings Account (HSA) and pay their current out-of-pocket medical expenses from their checking account can use their HSA as a stealth retirement account. It's better than either pre-tax or Roth retirement accounts because as long as you eventually use the … Continue reading Leveraging Your HSA to Increase Your Roth Contributions →

Three 90-Minute Presentations Every School District Should Give To Their Employees (and here are the resources to do it)

I've (actually, we've) been offering my Personal Financial Literacy for Colorado Educators course for four years now. I decided to offer this initially because, based on my interactions with fellow Colorado educators, there seemed to be a large percentage of them who didn't know some key aspects of financial literacy (and, specifically, how their defined … Continue reading Three 90-Minute Presentations Every School District Should Give To Their Employees (and here are the resources to do it) →

Please Consider Supporting Colorado HB26-1026

Back in 2023 I wrote a post about some suggested legislation I would like to see regarding Colorado PERA. I'm excited to share that this legislation has now been proposed as part of the 2026 Colorado General Assembly. It is House Bill 26-1026 sponsored by Representative Bob Marshall, Representative Eliza Hamrick, and Senator Chris Kolker. … Continue reading Please Consider Supporting Colorado HB26-1026 →

2026: New Year, New Limits

As we are about to turn the page (click the arrow?) on the calendar to move into 2026, there are many changes that happen around taxes. These include tax bracket changes, changes in the limits of what you can contribute to various retirement accounts, and a variety of other changes. The following is by no … Continue reading 2026: New Year, New Limits →

The Extraordinary Opportunity of Starting Early (and Privilege)

Note: This post is going to assume a lot of privilege. It's not going to address the very real issues of income inequality and systemic disadvantage, as those are a bit beyond my wheelhouse (although I do have pretty strong opinions about policy changes we should make that could at least help address those issues). … Continue reading The Extraordinary Opportunity of Starting Early (and Privilege) →