IRS adjusts brackets and standard deductions for 2023 (Market Watch) and 401K contributions increase in 2023 (NYT)

“Dude on your newsletter, I just found out the options for funding your HSA and letting it grow. You can allocate its investments just like a 401k and you can use it for health related spending forever!

“Do you have thoughts on HSA vs. FSA? I think I’m going to enroll in an HSA because I can pay for therapy out of it but was wondering if you had more nuanced info I should consider?”

The example in the book is about food choices in a grocery store, but it struck me that this is exactly what people face in personal finance too. In the 100 conversations project, the #1 thing I keep hearing is about how people know they should be doing more to invest and proactively manage their finances, but there are too many voices to listen to and choices to make

“1. How high could they go if Fed keeps pushing rates? Wonder what they got to back when mortgage rates hit 18%

What do you do if you don’t want to invest in oil stocks, but the energy sector is one of the best performing this year?