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 →

Our Current Portfolio and Recent Returns as of January 2026

Each year I'm sharing what our current portfolio looks like. This is what it looks like as of January 1, 2026. (Here is April 2022, January 2024, January 2025). Asset Location Like many people, by necessity we have our investments in multiple places due to past employers, HSAs, and different types of taxable accounts. Taxable … Continue reading Our Current Portfolio and Recent Returns as of January 2026 →

Our BETR Roth Conversion Decision Spreadsheet

Roth Conversions are a topic that comes up occasionally so I thought I'd talk a bit about how we currently think about this. For those who aren't familiar, a Roth Conversion is when you take some of (or all) the money that is currently sitting in a pre-tax IRA/401k/403b/457b and move it to a Roth … Continue reading Our BETR Roth Conversion Decision Spreadsheet →

Our Current Portfolio and Recent Returns

Each year I'm sharing what our current portfolio looks like. This is what it looks like as of January 1, 2025. (Here is April 2022 and January 2024). Asset Location Like many people, by necessity we have our investments in multiple places due to past employers, HSAs, and different types of taxable accounts. Taxable Investments: … Continue reading Our Current Portfolio and Recent Returns →

Should I Invest in My Traditional, Roth, or Taxable Account?

IT DEPENDS! Okay, I really wanted to just leave this as a two-word blog post, but I decided that probably wasn't all that helpful. The genesis of this post was a discussion on Facebook where people were giving advice about what account someone should invest money in. Often these folks are really big fans of … Continue reading Should I Invest in My Traditional, Roth, or Taxable Account? →

Colorado’s 529-to-Roth IRA Rollover Now Available

I've written previously about how the Consolidation and Appropriations Act of 2023 now allows account holders to transfer money from 529 plans to the beneficiary's Roth IRA beginning in 2024. Now that we're in 2024, Colorado's CollegeInvest 529 Plan (Direct Portfolio plan) has now posted the necessary form. While hopefully you are in the Direct … Continue reading Colorado’s 529-to-Roth IRA Rollover Now Available →