Kindle & paperback

Fund This First

401(k), Employer Match, Roth vs. Traditional, IRAs and HSAs, and the Order to Fill Them

By K and M Financial · K&M Financial Publishing Group, LLC

Paperback ISBN: 979-8-9983180-4-7

The account is not the investment.

"I have my money in a 401(k)" sounds like a complete sentence. It is about as informative as saying you keep your money in a wallet.

A retirement account is a container with unusual tax rules. What goes inside it is a separate decision — and almost every book on the shelf is written for people who are nearly finished, not for the years when you are still putting money in and deciding where it goes.

Fund This First is written for those years.

Inside

• The one number that captures your entire employer match — and the front-loading habit that quietly forfeits part of it
• Traditional or Roth, settled with arithmetic instead of opinion
• The two different income tests on IRAs that almost everyone conflates
• Why the HSA is the only common account with three tax advantages, and the routine that throws one of them away
• Which account to fund first, as an order that says plainly when to deviate from it
• Your open-enrollment packet line by line — including the disability detail that decides whether the benefit is taxed
• The four options for an old workplace plan, and why the costliest one is chosen most often

Every dated figure sits in one appendix, with a second appendix showing you how to look up the current one yourself — so the book stays useful after the numbers move. This book is general educational information only. It is not tax advice and not investment advice.

Informational only. Not personalized financial, legal, investment, or tax advice.