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The Crunch provides weekly tips to ordinary people on how to build wealth. My weekly newsletter arrives in your inbox every Saturday and tells you everything you need to know about personal finance in just 5 minutes.

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Issues74Foundeda year agoLast Issue7 days ago
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Latest Issues

HSA Hacks

You’ve probably heard about HSA before. And there is a reason for it:

  • Contributions lower your taxable income

  • Growth is tax-free

  • Withdrawals for qualified medical expenses are tax-free

No other account gives you such tax...

7 days ago
21
1

Pay $0 in Taxes

There is a version of tax planning where you could make over $100,000 of income, and pay $0 in taxes.

It involves a methodical planning between your pre-tax 401k/Roth and brokerage account. Let me walk through how the details work, and how...

14 days ago
13
1

How Rule of 55 Works

I’ve been noticing a larger number of people who want to retire before 65. But since many contribute to their 401ks, they are left wondering how to actually access or plan for it it without a penalty.

There are many exceptions to 10% penal...

21 days ago
9
1

Rent vs Buy 🏠

Many people say “Don’t rent, it’s a huge waste of money!”

But is this really true? Or is this something that people just generally thought was the case?

The concept of analyzing buying vs renting comes down to the idea of recoverable vs n...

a month ago
15
3

Backdoor Roth IRA

How it works, how to do this strategy step-by-step, and the benefits...

An acquaintance of mine reached out saying that he maxed out his 401(k) and is investing in a brokerage account. I asked why he doesn’t invest in a Roth IRA too, to wh...

a month ago
12
1
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