HeyJaredThe Crunch
The Crunch provides weekly tips to ordinary people on how to build wealth. My weekly newsletter arrives in your inbox every Saturday and tells you everything you need to know about personal finance in just 5 minutes.
- Indexed issues, last 90 days
- 13
- Latest publication
- Sep 26, 2026
- Audience
- Checking…
- Earliest in this view
- Jul 4, 2026
Latest issues
Tax Hack (opens the original)
Read excerpt
Imagine you are already doing all things possible to minimize your taxes:You are maxing out your pre tax 401k. You do tax loss harvesting. You did tax efficient placement. You are maximizing Roth IRA through Backdoor Roth. But what other strategies can you use to minimize taxes?Another option that many people aren’t aware of is the cash balance plan (CBP). It’s available to business owners (including solo owners) and some employers offer it to high earning professionals, so check with your emplo
Leave Your Bank (opens the original)
Read excerpt
Few days ago, the Federal Reserve raised its interest rate by 0.25% to a target range of 3.75% to 4.00%.And this means that the interest rate you are getting on your cash may go up. But it depends where you hold your cash.For example, if you have a high yield savings account (HYSA), you are at a mercy of your bank. They may increase the rate, but they may not, depending on many factors (e.g. if the bank needs liquidity, they may raise rates)But Money Market Funds (MMFs) are a lot more responsive
Investing Traps 📉 (opens the original)
Read excerpt
The stock market is almost at an all time highs. My portfolio returned 27% this year:<img alt="" class="sizing-normal" height="285.2306763285024" src="https://substackcdn.com/image/fetch/$s_!tlwr!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fs
401k Hacks (opens the original)
Read excerpt
You probably already know the basics of a 401k: how match works, how Traditional vs Roth compares, etc.But in this newsletter I wanted to share some lesser known facts/strategies/tips around 401ks.1. The Department of Labor’s Retirement Savings Lost and FoundSome people work part time jobs in college and totally don’t realize that they may have gotten enrolled into a 401k automatically by the plan. And some people, may just lose track of it. Or maybe you want to help your parent search for one…A
State Taxes (opens the original)
Read excerpt
Something that not many people really think through is state taxes. Most people talk about saving money on federal taxes, but state tax can also make an impact (and a pretty large one)My goal with this newsletter post is to help you understand the impact of state taxes, and potentially give you ideas for the future.Income taxesSome states, like Washington, Tennessee, Florida, etc have no income tax at all. In these states, you wouldn’t have to pay any taxes on 401k/IRA withdrawals, pension, or S
Publishing over time
Last 90 days. Choose a month to open its work.
Recurring subjects
Named in the text we hold. One piece can cover several.
Audience
No verified audience measurement yet.
About this data
Counts cover the work we have indexed. Tone needs enough text and a confident classification. Excerpts and episode notes are not full articles or transcripts.
Identity or attribution wrong? Suggest a correction.