Most people think maxing out a 401(k) is the finish line — Christie discovered it's just the starting point. Brad and Jonathan follow up with Christie from the Real Households of FI series to see what she's implemented since her last check-in. She's moved from a target date fund to the S&P 500, started maxing her traditional 401(k), and is wrestling with a common dilemma: what to do with company stock from an Employee Stock Purchase Plan. The conversation spans 401(k) fund selection, the importance of expense ratios, strategies for selling employer stock without getting crushed by taxes, and the often-overlooked triple tax advantage of Health Savings Accounts. Brad and Jonathan walk through tax-loss harvesting, capital gains optimization, and why letting tax concerns dominate your decisions can backfire. Key Quotes [00:02:20] - "Realize money is a tool, not the goal." [00:03:27] - "Wealth accumulation is simple math. Just follow the steps." [00:51:02] - "HSAs provide tax-free growth, contributions, and withdrawals." [01:01:10] - "Focus on making sound financial decisions, not just avoiding taxes." Timestamps and Topics [00:06:10] - Christie's 401k Transition Christie shifted her contributions to a traditional 401(k) and began maxing it out. She moved fund allocations from target date funds to the S&P 500. [00:07:45] - Expense Ratios Why expense ratios matter more than fund composition when selecting investments. [00:12:00] - Employee Stock Purchase Plans (ESPP) Advantages of participating in ESPPs, including a 15% discount, and the risks of holding too much employer stock. [00:46:06] - Selling Company Stock Strategies for selling company stock, including tax-loss harvesting and balancing tax implications. [00:51:00] - Maximizing HSAs How HSAs can serve as a powerful financial tool if used wisely. [00:56:57] - Key Takeaways Summary of insights learned throughout the episode. Resources Early Retirement Now ChooseFI Podcast Archive JL Collins Stock Series