The Shoutbox
cyclops?
meTROPolis?
police department?
departing ways?
curds and whey??
turducken???
or cylons.
Originally Posted by John McClane
BTW, I think it's 100% likely that everyone will have medical bills in retirement, so the HSA is a no brainier.

Or co-pays.
Originally Posted by Chypmunk
Originally Posted by ynwtf
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I just can't help myself, sometimes.
If it helps (doubtful) you're not the only one - I've just put Van Halen - Van Halen on and the volume up to 11 thanks to this shoutbox.
Atomic Punk, Feel Your Love Tonight, Little Dreamer or On Fire?
Originally Posted by John McClane
I have no idea whether I should contribute extra money to the 403b, the HSA, or the Roth IRA. They all have their pros and cons.
Just like a 401k, if there is a company match, the HSA is a no-brainer.

I max out the company match and you can take it with you (mine) if you leave.
BTW, I think it's 100% likely that everyone will have medical bills in retirement, so the HSA is a no brainier.
Winning mega millions ticket >>>>>>>>> 403b/HSA/Roth IRA
403b > HSA > Roth IRA
Originally Posted by Yoda
Yeah, HSA is just a pure likelihood consideration, in terms of medical bills.

If nothing goes wrong in the short-term, though, pretttttty hard to beat a Roth IRA. It's the best return over the long-term, assuming you don't need the tax break sooner.
I always need a tax break sooner. Always.

The only real advantages I see to the Roth is being able to invest in whatever I want, including common stock, and no required minimum distributions. At least with the 403b I can pay less taxes and, once I have enough extra contributions, have access to some sweet loan terms.

The only reason I have the HSA is because my employer contributes $800 a year, so that's just free money. It's fully invested and I ain't touching any of it until I'm old and cripple.
Originally Posted by Yoda
I always max out a Roth first, if I can.
That's what we do every year, too.
...to tha rhythm, jump JUMP to that rhythm...