Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planning.

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It's open enrollment season, and the temptation to click "same as last year" is real. But your employee benefits are a form of compensation, and small tweaks can add up to real money, even for high earners in tech and biotech.

In this episode, Scott walks through the biggest choices on your enrollment form. He compares PPO and high-deductible health plans using a total cost lens, explains why the HSA's triple tax advantage makes it a powerful savings tool, and discusses when an FSA or dependent care account may be fit.

He also covers 2026 and 2027 401(k) limits, how to decide between pre-tax and Roth contributions based on where your income is headed, the new Roth catch-up rule for higher earners, and how after-tax contributions with in-plan Roth conversions (the "mega backdoor Roth") can fit into your strategy.

If you want to be intentional with your benefits instead of running on autopilot, this episode offers a clear, practical checklist before you hit submit.

Ready to learn more?

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• Stone Steps Financial

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Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial.