retirement plan optimization is just a higher-income version of credit card churning https://twitter.com/choosy_mom/status/1217220716937936896?s=21 …https://twitter.com/choosy_mom/status/1217220716937936896 …
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if you have enough money where contributing to IRA and 401k isnt enough then you should have good health insurance instead of the barebones shit that lets you have an HSA
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