Probably won't see any benefits from your medical expenses then. You have to itemize to claim medical expenses. If filing separately and one of you itemizes, then the other person must as well. You will probably owe more or have a smaller refund if you file separately.

It was Optum which is complete garbage. Now it's at a local credit union. We've never paid any fees when we've moved HSA money from either. No extra was withdrawn and the full amount was deposited into Fidelity.

I'm actually shocked Optum didn't hit us with a fee because they are so bad. They did hit us with a fee when we pulled the money when we totally closed the account.

>HSA providers almost always charge a "transfer fee" to move money from them to another HSA. This is usually around $25-35 per transfer. So doing this a lot is going to cost you more.

I start the transfer from Fidelity to pull the funds out of the employer HSA account. I have never paid a fee. Since it is a direct transfer, I can do it multiple times a year.

Yes, you can. Fidelity is a popular option.

>got rid of it right before the big expenses hit

Had an '08 Civic that I sold 2 years ago when it had 178,000 mi on it. The only non-routine maintenance thing I had to fix on that car was a $200 sensor. It made it another year before the kid I sold it two totaled it.

Put it in whenever you have the money. Also the limit is $6500 for 2023.

For some reason, some employers fail to process the 2 jobs check box. One of your employers may have missed that previously.

Do you both make close to the same amount? If so, the simplest way is to both mark Single and leave everything else alone.

>Prior to going in, I asked the people at the front desk if they accept insurance B. They said yes so I proceeded.

Can't help with the negotiation, but in the future, never rely on what the provider tells you. Always verify with your insurance company.

I have never seen a deferred interest promo that didn't require minimum monthly payments. Also, be aware that the minimum payments are usually set too low to pay it off in time. Make sure you pay the full amount before the end of the promo so you don't get hit with all the back interest.

>So $7.5k/year in Roth IRA until retirement?

>And max out the Traditional IRA simultaneously too?

No, for those over 50 the limit for IRAs is $7500 total across all your IRAs. Doesn't matter if that is 1 IRA or multiple, traditional or Roth.

Not only can you be hit with penalties, the IRS can contact your employer and force them to withhold taxes for you.

https://www.irs.gov/businesses/small-businesses-self-employed/withholding-compliance-questions-and-answers

>We both contribute the minimums to our 401k

If you both start maxing your pre-tax 401k contributions, that will lower your taxable income by around 40k. I'm not sure why you wouldn't take full advantage of that.

Also, out of curiosity, why do you file separately? In most cases, filing jointly is usually the better option.

>Many states have a 10-15 day cool down period that lets buyers return cars and essentially cancel the deal

People need to stop posting this garbage. There are very few or no states that have a cooling off period for a vehicle.

If you are lucky, you will get to continue making two car payments. If the lender on the first car finds out the collateral is gone, they will probably call your loan due immediately.

You only lose the last 3 months of interest if you hold the I bond for less than 5 years. If you buy in Jan 2023 and sell in Jan 2024, you will get 9 months of interest. You don't start gaining interest in the first 3 months because it is accounting for losing the last 3 months of interest.

>with high deductible plan, I need to pay 20% coinsurance

You actually pay the full amount of all medical expenses (except preventative stuff) before you reach your deductible. The 20% coinsurance comes into play after reaching the deductible.

If you have several appointments a year, HSA might not be a good idea. You have to look at all the numbers (premiums, deductibles, max out of pocket, expected expenses, etc) and see what is best for you.

No. The FSA counts as other coverage making you ineligible to contribute to an HSA.