re: 401k contribution for year maxed out - what next

quote:

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out 401K
Max out Roth IRA
Max out HSA
Contribute to taxable account

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I don't understand why HSA isn't above the Roth.

At all.

In fact, I would argue that if a high deductible plan fits your current lifestyle, you max that before ANYTHING ELSE.

Before a six month emergency fund. Before 401k max. Before everything other than contributions to a 401k to max just the match.

And I'll challenge anyone to come up with a scenario that the pile of upsides are tempered by the downsizes. The only possibility I can think of is to divert some to build up your emergency fund, the rate of which in line with your risk tolerance.