What No One Taught Us

Health Savings Accounts (HSAs) might be the most underrated financial tool available, and in this episode, I'm explaining exactly why.If you've ever thought of an HSA as just a way to pay for doctor visits, think again. I'm breaking down what an HSA is, who qualifies, and why financial planners often call it the only account with a true "triple tax advantage."We'll cover:How HSAs can lower your taxes todayWhy the money grows tax-freeThe little-known reimbursement strategy that can turn your HSA into a powerful retirement toolThe difference between using your HSA for current medical expenses versus long-term investingHow I personally use my HSA and why it's become a key part of my financial planWhether you're enrolled in a high-deductible health plan already or just exploring your benefits options, this episode will help you understand why an HSA may be one of the smartest accounts you can add to your financial toolkit.Follow along on Instagram @whatnoonetaughtus for more personal finance education and behind-the-scenes content.

Open enrollment season is approaching, and somehow health insurance terms still sound like they were designed to confuse us on purpose. Don't panic!!In this episode, we’re breaking down how to actually choose the right health insurance plan in plain English. We cover deductibles, copays, HMOs vs. PPOs, high-deductible health plans, HSAs, and how to think through what plan actually makes sense for your life and budget.Whether you’re picking benefits for the first time, getting off your parents’ insurance soon, or just tired of choosing a plan at random every year, this episode will help you feel way more confident heading into open enrollment.

On this episode of WNOTU we’re breaking down your 401(k), because “just contribute to it” is not enough information.We break down:how employer matching actually workshow much you should be contributingRoth vs. pre-tax contributionsand how to choose investments without feeling overwhelmedIf you’ve ever opened your 401(k) portal and immediately wanted to close the tab… this episode is for you.The information in this podcast is for educational and entertainment purposes only and is not intended as financial advice. I’m a Certified Financial Planner™, but I’m not your planner- so please consult a professional who knows yourunique situation before making any financial decisions. Past performance is not indicative of future results. Viewsexpressed are my own and do not reflect the views of Bethesda Financial Advisors, LLC.