{"id":43,"date":"2021-09-30T16:28:06","date_gmt":"2021-09-30T16:28:06","guid":{"rendered":"https:\/\/bwfinancialplanning.com\/2021\/11\/04\/what-ive-been-reading-september-30-2021\/"},"modified":"2025-08-06T16:10:49","modified_gmt":"2025-08-06T16:10:49","slug":"what-ive-been-reading-10","status":"publish","type":"post","link":"https:\/\/bwfinancialplanning.com\/?p=43","title":{"rendered":"THE Most Valuable Retirement Savings Vehicle"},"content":{"rendered":"<h3><a href=\"https:\/\/www.forbes.com\/sites\/bobcarlson\/2021\/09\/27\/the-power-of-health-savings-accounts-for-retirement-planning\/?sh=15e88f4e174b\"><strong>The Power of Health Savings Accounts for Retirement Planning<\/strong><\/a><\/h3>\n<p class=\"\">Health Savings Accounts aka HSAs are one of the most valuable retirement savings tools out there for higher income earners. Using an HSA correctly allows you to lower your taxable income, grow the asset tax free, and withdraw the money tax free. Triple tax benefit!! It is money that is never taxed if you follow the rules.<\/p>\n<h3><strong>Four Secrets to a Happy Retirement<\/strong><\/h3>\n<p class=\"\">Did you know that before she was queen of all things domestic that Martha Stewart was a stock broker? This article on retirement secrets is from her magazine.<\/p>\n<div class=\"\n          image-block-outer-wrapper\n          layout-caption-hidden\n          design-layout-inline\n          combination-animation-none\n          individual-animation-none\n          individual-text-animation-none\n        \" data-test=\"image-block-inline-outer-wrapper\"><\/p>\n<figure class=\"\n              sqs-block-image-figure\n              intrinsic\n            \" style=\"max-width: 500px;\"><\/p>\n<h3><a style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif; font-size: revert;\" href=\"https:\/\/finance.yahoo.com\/news\/strategies-roth-iras-may-not-194154650.html\"><strong>Strategies for Roth IRAs You May Not Have Thought Of (Yet)<\/strong><\/a><\/h3>\n<\/figure>\n<\/div>\n<p class=\"\">Biden\u2019s newest tax proposal would get rid of the option to use backdoor Roth IRAs and Mega backdoor Roths, starting in 2022. You may want to look at whether or not a Roth contribution makes sense for you in this last quarter of 2021.<\/p>\n<h3><a href=\"https:\/\/www.whitecoatinvestor.com\/late-start-retirement-savings\/?ck_subscriber_id=1407885283&amp;utm_source=convertkit&amp;utm_medium=email&amp;utm_campaign=The+White+Coat+Investor+%E2%80%93+Investing+%26+Personal+Finance+for+Doctors%20-%206671119\"><strong>It\u2019s Never Too Late to Start Saving for Retirement<\/strong><\/a><\/h3>\n<p class=\"\">It\u2019s never too late!!<\/p>\n<h3><a href=\"https:\/\/radreads.co\/10k-questions\/\"><strong>The Life-Changing Magic of Asking Good Questions<\/strong><\/a><\/h3>\n<div class=\"\n          image-block-outer-wrapper\n          layout-caption-hidden\n          design-layout-inline\n          combination-animation-none\n          individual-animation-none\n          individual-text-animation-none\n        \" data-test=\"image-block-inline-outer-wrapper\"><\/p>\n<figure class=\"\n              sqs-block-image-figure\n              intrinsic\n            \" style=\"max-width: 480px;\"><\/p>\n<div class=\"image-block-wrapper\" data-animation-role=\"image\"><\/div>\n<\/figure>\n<\/div>\n<p class=\"\">\u201cAm I living the life I choose for myself?\u201d<\/p>\n<p class=\"\">\u201cIf I had 1 year to live, what (if anything) would I change?\u201d<\/p>\n<p class=\"\">\u201cDoes how I spend my time align with what I value?\u201d<\/p>\n<p class=\"\">A wise planner told me that you can easily see what a person values by looking at their calendar (where they spend their time) and their checkbook (where they spend their money). What would your calendar and checkbook say about you? And does it align with what you value?<\/p>\n<h3><a href=\"https:\/\/www.headspace.com\/articles\/high-functioning-depression?irclickid=3d8QVDSK2xyLRVzXvhRCNXxOUkBVvX2GPzXQQA0&amp;utm_source=impact&amp;utm_medium=PaidAdvertising&amp;utm_campaign=Skimbit%20Ltd.&amp;utm_content=Online%20Tracking%20Link&amp;irgwc=1\"><strong>The Secret Battle of High-Functioning Depression<\/strong><\/a><\/h3>\n<p class=\"\">September is National Suicide Prevention month. Depression looks different in everyone.<\/p>\n<p class=\"\">Enjoy!<\/p>\n<p class=\"\"><img decoding=\"async\" class=\"thumb-image\" style=\"color: initial; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\" src=\"https:\/\/bwfinancialplanning.com\/wp-content\/uploads\/2021\/11\/Blogsignature-5.jpg\" alt=\"\" data-image=\"https:\/\/bwfinancialplanning.com\/wp-content\/uploads\/2021\/11\/Blogsignature-5.jpg\" data-image-dimensions=\"157x152\" data-image-focal-point=\"0.5,0.5\" data-load=\"false\" data-image-id=\"618408bce8ad490fbb24f404\" data-type=\"image\" \/><\/p>\n<p class=\"\"><em style=\"font-size: revert; color: initial; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\">Disclosures:<\/em><\/p>\n<p class=\"\"><em>BW Financial LLC dba BW Financial Planning is an Investment Adviser registered with the State of Colorado.<\/em><\/p>\n<p class=\"\"><em>All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. We may, from time to time, have a position in the securities mentioned and may execute transactions that may not be consistent with this communication&#8217;s conclusions. This communication is for informational purposes only and should not be construed as legal, accounting and\/or tax advice. Should you have any questions and\/or issues in these areas, please consult your legal, tax and\/or accounting adviser.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Power of Health Savings Accounts for Retirement Planning Health Savings Accounts aka HSAs are one of the most valuable retirement savings tools out there for higher income earners. Using an HSA correctly allows you to lower your taxable income, grow the asset tax free, and withdraw the money tax free. Triple tax benefit!! It [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":328,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17,12,18],"tags":[22,21,3],"class_list":["post-43","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-behavioral-finance","category-financial-planning","category-retirement","tag-financial-planning","tag-investing","tag-personal"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>THE Most Valuable Retirement Savings Vehicle<\/title>\n<meta name=\"description\" content=\"Health Savings Accounts aka HSAs are one of the most valuable retirement savings tools out there for higher income earners.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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