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this post was submitted on 21 Sep 2024
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Asklemmy
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I've done the same math recently and decided it would be cheaper just to pay myself and keep a bit of savings around for anything extra. I could not find a plan that would pay out more than $2k in a year, and that's not even a month of rent some places.
With your plan I would suggest putting your savings into an HSA or FSA, if you have either of those available to you. At least then it’s tax free.