I think about tax-advantaged accounts. I'm thinking mostly about IRAs, 401Ks, 403Bs, but my favorite is probably the Roth IRA and the HSA. And that's because they offer a ton of flexibility, really low fees, because you can house them usually at a brokerage account of your choosing, and some of the best investment options.

And on the HSA side, you've got the triple tax deduction of being able to put money in tax-free, being able to take it out tax-free, and being able to have it grow tax-free. So it's an amazing account. And on the Roth IRA side, I know many people don't think that they might be eligible because of their income or their workplace retirement plans.

I'd encourage you to go look into a backdoor Roth IRA contribution. It's kind of a workaround that the IRS has finally signed off on, if you will, and it's something I do every year. And so take a look at that as a way to be able to contribute to a Roth IRA, even if you're not directly eligible.