All the Hacks: Money, Points & Life Open Enrollment, Diversifying Investments, Buying Gold and More Listener Q&A
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Oct 15, 2025 Listeners dive into important topics like navigating open enrollment, exploring health insurance plan options, and maximizing FSA benefits. Chris discusses investment strategies, including diversification amidst a high stock market and insights on buying gold. He warns about the complexities of variable universal life insurance, shares tips on handling RSU compensation, and emphasizes the benefits of AI tools in enhancing productivity. The discussion offers practical advice for both personal finance and transitioning to self-employment.
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Prefer HSA Plans When They Truly Save Money
- Choose a high-deductible HSA-eligible plan when premiums savings exceed potential out-of-pocket costs.
- Use HSA contributions as long-term, triple-tax-advantaged savings and keep receipts to reimburse later.
Verify Drug Coverage And Dental Value
- Check formularies and provider networks for drugs and specialists before switching plans to avoid surprise costs.
- Skip employer-paid dental/vision only if you can pay providers cheaper directly or use provider membership plans.
Use FSAs Carefully And Buy Term Life Privately
- Enroll in FSAs only if you will use the money because most are use-it-or-lose-it plans.
- Get term life outside your employer instead of relying solely on employer policies to keep coverage when you change jobs.