Change 401K Deduction

Changing The 401K Tax Deduction

The number one rule of economics is that people respond to incentives.  Incentives are set up by individuals, businesses, and governments to get people to do something.  When it comes to saving for retirement, our government provides some strong incentives to get people to save more. One of the chief …

Free Associates Degree

Earn a Free Associates Degree

Student loans in this country top over $1 trillion. It is not uncommon to see people graduate from college with $100,000 in student loans hanging around their neck, which won’t get paid for 10, 20, or even 30 years.  I think with any type of job training there has to …

Move with a Purpose

Move With a Purpose

One of my chief pet peeves is people who complain about their situation, but take no action to change it. Having a purpose that is actionable increases what you can accomplish and allows you to accomplish more because there is something driving you, allowing you to move faster. I walk …

Obamacare Bronze

Using an Obamacare Bronze Plan with An HSA

Last November when Obamacare went into effect healthcare.gov went live with disastrous results.  You had to fill out an application before seeing what prices are available, the website was down most of the enrollment period, and there was no clear way to enter in deduction to gross income in order …