u/LemonDoom69

I've been in a back and forth with my HR department and United Healthcare as to whether or not my plan is HSA eligible. Each one keeps telling me to talk to the other.

On the surface, I believe I qualify but nobody can confirm. Why isn't there a place to just plug in your insurance information and have it return a definitive answer?

I would love to take advantage of an HSA but don't want to jump the gun for tax/penalty purposes and am getting frustrated.

Looking for advice on my recurring investments and overall portfolio balance - just came across this subreddit and Bogleheads in general.

My portfolio consists of 53% VOO, 13.5% VB, 13.5% VO and 20% VXUS with a 40 year time horizon.

Is this 4 fund combo frivolous compared to going all in on VT or would VTI + VXUS make sense? I don't see the point in buying bonds right now with such a long time horizon - is this misguided?

Just got an email from Rakuten that they’re increasing the earnings cap on the credit card from $7,000 to $10,000 effective July 15th.

Love to see it amidst all the enshitification lately!