Скачать или смотреть Retirement Savings Waterfall: Where Your Next $$$ Should Go (401k, HSA, IRA, Brokerage)

You can save a lot and still miss the best return. This video explains the retirement savings waterfall. It shows where your next dollar should go and why.

Bruce Lorenz, CFP® at Boldin Advisors, walks through the best order to fund retirement accounts. You will learn how to prioritize a 401(k) match, an HSA, an IRA (Roth or Traditional), and a taxable brokerage account.

The savings waterfall:
✅ Fund your 401(k) or 403(b) up to the employer match. Capture the “free money.”
✅ Fund your HSA if you qualify. Use it as a triple tax-advantaged account.
✅ Fund an IRA. Choose Roth vs Traditional based on your marginal tax bracket.
✅ Use a taxable brokerage for flexible, tax-aware investing.

Why the HSA can be your best account?
An HSA can act like a “stealth retirement account.” It can reduce taxes now. It can grow tax-free. It can pay qualified medical costs tax-free.

Use a simple test before you decide:
Run “add one dollar” scenarios. Compare accounts side by side. Use the Boldin Planner to see how each choice can change taxes and long-term outcomes.

Timestamps:
00:00 Intro
00:32 Determine your goals
01:05 401(k)/401(b) - up to the employer match
01:52 Health Savings Account (HSA)
02:52 Traditional IRA or Roth IRA?
03:55 Taxable brokerage account
04:24 Reasons your order might differ
05:35 Final thoughts

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