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Taxes

Most account choices are tax timing. These pages stay at the household level: which dollars get taxed now, which later, and what a calculator cannot see.

Guides

Types of investment accounts

Workplace plans, IRAs, HSAs, and taxable brokerage accounts tax different dollars.

What order should I fund investment accounts?

A common order is match, high-interest debt, emergency cash, then tax-advantaged room, then taxable.

Roth vs. traditional

If the tax rate is the same now and later, the after-tax result is the same on equal pre-tax dollars.

Maxed out my 401(k): now what?

After the workplace deferral limit, look at an HSA, an IRA, and then a taxable account.

Tools

  • 401(k) match calculator
  • Roth vs. traditional calculator
  • Emergency fund calculator
  • Compound growth calculator

Playbooks

  • Capture your 401(k) match
  • You maxed retirement accounts
  • Pay off high-interest debt

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Educational, not advice.