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Velochis
Apr 4, 2002

We go play hope

Slow Motion posted:

With an HSA you can contribute directly via transfer from an existing checking or savings account with the same net effect on your tax burden. I move money ad-hoc through my HSA rather than set a fixed monthly deposit to give me more flexibility with that money and I love it. You can always max it out in the first quarter of next year if you want to use it as an investment vehicle.

Also your girlfriend's contribution is extremely low. What's her deal?


Contributing via paycheck deductions means you don't pay FICA taxes. I wouldn't follow this advice unless flexibility is worth a 6% tax to you.

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Velochis
Apr 4, 2002

We go play hope
Slightly off topic, but I bought my wife's engagement ring at Luisa Graff in Colorado Springs and was very happy with their staff and selection compared to the national chains.

You can buy "enhanced" diamonds that are natural but improved with ::science:: for 2/3 the cost of an equivalently graded fully natural diamond. People often think my wifes ring is 5k but I only paid 2k for it!

Alternatively, you could get a fully man made diamond that can be stunning for 1/5 the cost of traditional stuff.

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