How to Money · Monday, July 20, 2026
For listeners approaching or exceeding Roth IRA income limits, the hosts recommended prioritizing contributions to traditional 401(k)s and HSAs to lower Adjusted Gross Income (AGI). They advised against over-contributing to Roth IRAs to avoid penalties and the complex process of withdrawing excess contributions.
“Our favorite of the ones that you mentioned is to lower your overall AGI by contributing more money to those other tax advantage retirement accounts.”
“We talk about HSAs pretty regularly. But but we don't talk as much about fessas. The reason we talk about HSA's with regularity is because there's such an underutilized resource when it comes to saving for retirement and avoiding as much tax as possible.”
“The simplest is almost always best, is Yeah, just funnel more into the pre tax accounts like the HSA and the traditional foral one K, leaving you open to continue to contribute to those roth iras for hopefully years to come.”