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How to Money · July 20, 2026 · 53m

Ask HTM - Are FSAs Worth The Hassle, Making Too Much for a Roth, & Mentally Shifting from Saver to Spender #1168 (Bestie Ep)

Joel and Matt tackle five listener questions covering the tax implications of selling stock in a Roth IRA, shifting from a saver to spender mindset in retirement, strategies to avoid Roth income limits, how closing an old bank account affects credit scores, and whether Flexible Spending Accounts are worth the hassle.

This summary was generated from show notes and public descriptions, not from a full transcript review. Details may contain inaccuracies.

Highlights

Listener Q&A on Five Common Money Questions
Joel and Matt answered listener questions on Roth IRA stock sales, shifting to a spender mindset, Roth income limits, closing bank accounts, and FSA benefits.

Misc

The hosts drank a Blood Orange Double Wit from Ponderosa Brewing, donated by listener Bob.
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