Survival of the Unfittest and the Great Reset

Over the past several years, I have encountered a wide variety of forms of excessive risk. These risks have manifested in a variety of ways, from the gross overvaluation of companies to businesses being able to borrow money at virtually no interest rate whatsoever, to the propagation of concepts such as cryptocurrency and other digital “assets.” I have watched these …

The Difficulty of Doing Nothing

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2023 Will Be a Huge Year for HSA’s

We have discussed in previous articles the benefits for contributing to HSA’s. You can make pre-tax contributions, hold and grow investments in them, with those deposits and growth also being tax-free on withdrawal for medical expenses. For people age 65 and older, funds can also be withdrawn without penalty. This makes the HSA both the preferable savings tool for long-term …