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Let's say you're one of the upper 10% of earners and make $400k and pay $100k in taxes. You'll love it because you will be able to easily handle the inflation. Now, you're making $40k and pay next to nothing in taxes. You'll struggle to keep up with your day to day expense. Tariffs would be a windfall for the top 10% who pay 60% of the Ftaxes at present.

Thank you.

You were the one who misunderstood the question. The question was whether the HSA contributions should count towards her 15% budget allocation to investing. His answer was “no, make your HSA contribution and also hit the 15%.” That’s the conservative response. Advising that people invest their full HSA as a general rule seems irresponsible. Some consideration needs to be given on their likely timeframe for needing access to that money.

It takes 90 days of review and investigation even to watch the camera at the time of purchase so it's not true anyone cannot just claim the ticket

I don't see the link for the course....

Just remember that any contributions that your employer makes will be in the traditional fund. So plan on any of that money that they contributed being taxed in the back end if you put your contribution into the Roth TSP.

The HSA is definitely a good investment vehicle, but he is not disagreeing with that, he is saying it would not count towards the 15% for retirement that he recommends in his plan. He makes a plan for the average American not the savvy investor. The average American would not keep money in their HSA till retirement, but rather when hard times come, pull it out earlier.

The gains on these ideas are largely taxed at income tax rates which, for many high next worth individuals, are taxed every year at 32-37%. This makes them inefficient as taxes consume too much of the interest. Therefore large sums of cash are better held in stable, highly liquid investments that are taxed at capital gains rates. One example might be the BOXX ETF, though I’m not giving financial advice or making a recommendation.

Im using my HSA to invest... I can't use my 401k till later but can use my hsa to pay med stuff now....soooooooo😅

You’re also forgetting that you still have liquid viability of the money sustained in the HYSA as opposed to it being gone. Yes if you plan to sell to cut depreciation down then maybe pay it off but you still have the risk of finding a buyer. If you plan to keep the depreciating vehicle and have 50k or more in a HYSA and you have a high income then it’s more worth it to take the loan.

I have the cash to pay my model 3 2025 and I got a 1.99 Apr so I didn’t buy it cash because it doesn’t make sense. Cars are liabilities and I plan on having it for a decade. I earn 4.2-4.5 APR on the 42k and the Apr for the Tesla is 1.99 so even after my HYSA tax it’s still more money saved on the 5 year loan.

Don't use for contact lenses near term! think of it like a Roth account that shouldn't be used in near term. Invest as long term investment from the magnificent 7 for 10-30 year.

The more I learned about finances and investments the less faith I had in Dave Ramsey's advice.

His commenters spoke loud on this one

Dave missed the mark on this one

He should stick with being the “get out of debt guy” and leave investing alone

Most of Caleb's guests would love a 7% rate there is a lot of 20 to 30% people

Thanks a lot ,I won $165 Million ,this video will help me on how to handle my Super Lottery Winnigs❤

gangnam style?? jk jk

Thank you, this is wonderful information!

Took me like 5 years to reach $100k in assets and wealth, but only needed 3 years to reach $1m in assets and wealth.

Great video brother, I believe every family has that one person who will break the family financial struggle, I hope you reading this become the one, and all who said Amen.

CASH IS TRASH. Lol😂😂😂😂😂🤣🤣

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Lottery win would be nice, but not necessary. I'm a 56 yr old school bus driver and my wife is a teacher. Combined with my $80K military pension (State tax free), VA disability (100% tax free), and her salary, we make over $200K per year. We own our home outright and have ZERO kids and ZERO debt.

What about transferring some of your wealth to tangible assets. Such as precious metals?

Just moved to one the states where I could stay anonymous . Playing the waiting game now.Wop Wop Wop