Premises

1. My income (‣) is high both absolutely and relative to expenditures
2. My highest expenditure is
3. I temperamentally (Personality) am not interested in retirement and Timelines are short
4. I am generally healthy (Body)

Conclusions

1. Establish an Emergency Fund

Hold about six months of expenses as liquid assets in case of an emergency.

• I use Fidelity brokerage settlement fund for this.
• Credit Cards can also be thought of as a component of an emergency fund. If you have several credit cards, you can easily have a six figure credit limit. This method of payment is disconnected from your bank. Having a diverse set of credit cards can help if any particular card is declined.

2. Contribute to your Roth 401(k)

Contribute up to employer match.

401(k) accounts are employer-sponsored retirement accounts that confer tax benefits. There is a penalty if you withdraw money before retirement.

• Retirement at some point is still likely even if it is undesirable
• You get free money: employers will typically match some percentage of your contributions
• You can invest your money in these accounts tax-free
• Assets can be donated without paying income tax once rolled over to a Traditional IRA

3. Contribute to your Roth IRA

4. Contribute to your HSA

Contribute HSA maximum per year if employer offers one.