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Families
The 2026 HSA family limit hit $8,750 — and most HDHP households aren't close
$8,750 2026 HSA family contribution limit
The only triple-tax-advantaged account in the code, and most eligible families leave about $7,100 of room on the table.
Read it →High earners
Pre-commit your next raise to your 401(k) — before lifestyle adjusts
$3,200 a year captured before lifestyle inflation votes
A 2% bump on a $160K salary is $3,200/year of pre-tax space — if you capture it before the bigger paycheck ever hits checking.
Read it →Freelancers
Solo 401(k) beats SEP-IRA for most 1099 earners under $150K
$24,500 2026 employee deferral a SEP-IRA can't touch
Default to a SEP-IRA out of habit and your tax-advantaged ceiling is probably $5K–$15K lower than it could be.
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