Health savings accounts offer taxpayers one of the most favorable ways to save money. With contributions that are tax-deductible and distributions that are tax-free as long as they're used for qualifying medical expenses, HSAs offer a double benefit that you won't find with IRAs, 401(k)s, or most other types of tax-favored accounts.
When you start thinking about retirement, emergency expenses present a unique challenge.
If you underestimate your risk of disability, you're not alone ... only 10% of individuals accurately estimate their chance of disability. Here's a deep dive into disability insurance policies for three distinct groups of people: those covered by an employer group plan, self-employed people or those not covered through an employer, and stay-at-home parents.