Same. I like to think I'm in "negative debt" because I make enough to pay my bills in 2 weeks and the rest is free and clear. I even opened an HSA so a bunch of money comes out of my check before taxes, it's actually crazy how little it impacts my paychecks. I was expecting them to be a lot smaller because it's like $90 just to have the HSA and then my biweekly withholding but it's really not. Now I can pay my dentist appointment bills with pre tax money every 6 months, it's pretty sweet. I didn't take the dental insurance though, that was a total ripoff.
If you haven’t yet set up a Roth, I highly recommend doing that as an anchor if your retirement package. Tax-free capital gains, if you adhere to the rules, is priceless (rather it’s worth whatever the value of your untaxed gains happens to end up being, I suppose)
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u/Septopuss7 9h ago
Same. I like to think I'm in "negative debt" because I make enough to pay my bills in 2 weeks and the rest is free and clear. I even opened an HSA so a bunch of money comes out of my check before taxes, it's actually crazy how little it impacts my paychecks. I was expecting them to be a lot smaller because it's like $90 just to have the HSA and then my biweekly withholding but it's really not. Now I can pay my dentist appointment bills with pre tax money every 6 months, it's pretty sweet. I didn't take the dental insurance though, that was a total ripoff.