@thelegacyinvestingshow: $20K a year, 4 accounts, 30 years. That’s the whole plan. I filmed this with older limits. In 2026 the Roth IRA limit is $7,500, and the HSA limit is $8,750 for family coverage ($4,400 if it’s just you). The $4M assumes you put in $20K every year for 30 years. It also assumes 10% a year on the funds and 15% on Bitcoin. Those are guesses, not promises. Bitcoin fell more than 60% in 2022. Before you copy this: → A direct Roth phases out between $242K and $252K for married couples ($153K to $168K single). Above that, look at a backdoor Roth (watch the pro-rata rule). → You need an HSA-eligible health plan to put money in an HSA. → Roth growth comes out tax-free after 59½, once your first Roth is 5 years old. This isn’t financial advice. Your income, state and filing status change the answer.

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Thursday 29 October 2026 21:37:49 GMT