Thing One The Retirement Account Almost Nobody Talks About When most people think about building wealth, they think about their 401(k). Maybe an IRA. Maybe a brokerage account. Very few people think about their HSA. And that’s too bad because the Health Savings Account may be the single most tax-advantaged account available in America today. Not one of the best, the best. Here’s why: Imagine a 30-year-old making $80,000 a year. They’re healthy, working hard, trying to build toward the...

Thing One A Reminder About Markets As surprising as it is considering the mood of the country (and the world), markets have quietly worked their way back into positive territory this year. The S&P 500 closed 2025 at 6,845, then fell to 6,528 on March 31, 2026 - a decline of about 4.6%. From that low, it recovered to 7,230 0n May 1, 2026, a rebound of roughly 10.7% and about 5.6% above where it ended 2025. And it’s not just one area driving it - it’s happening across the board. Large caps,...

Thing One When Should You Take Social Security? A Practical Framework for Making the Right Decision One of the most important financial decisions you will make heading into retirement is when to begin taking Social Security. Many people approach this decision with the goal of “getting the most,” but the reality is that the right answer depends on how long you live and how this income fits into your broader plan. A simple way to evaluate this decision is through a break-even analysis....