Crazy finance fact: only about 1 in 10 people who have an HSA actually invest the money in it. The other 9 just let it sit in cash. It is one of the best tax accounts that exists and most people treat it like a debit card.

It’s easy to be happy and optimistic when things are going good, but will you still be positive when things aren’t, when your account isn’t growing, when engagement is fading? Real hero’s are positive in the sunshine AND the rain!

Command yourself first, everything else follows

INVESTMENT LESSON📚 401(k) vs pension. What is actually different? A pension is the old school plan. Your company puts the money in, your company invests it, and when you retire they send you a set check every month for the rest of your life. You manage nothing and the amount is promised. The catch is almost nobody gets one anymore. Only 14% of private sector workers even have access to a pension today. A 401(k) is the modern plan. Money comes out of your paycheck, you pick the investments, and most companies match part of what you put in. The account is yours and it moves with you when you switch jobs. But there is no promised number at the end. The result is on you. One is a promise. The other is a tool. Most of us got handed the tool, so we have to actually learn how to use it.