Show notes
We’re back to the digital mailbag to answer your questions!For this week:Does the 401(k) max include employer contributions?Should I invest in my 401(k) or pay down my mortgage early?What about Fidelity’s zero expense ratio fund, VZROX?Investing tips for a Health Savings AccountDo you write off business expenses for Clipping Chains?How and when do you pay yourself from investments?Winter climbing in St. George, UtahBig life expenses and expectations when pursuing financial independence: children, weddings, etc.Mandatory pension contributions vs DIY investingFront-loading savings without going for full financial independence (Coast FI)Climbing plateau busters Support this project: Buy Me a CoffeeSubscribe to the website: SUBSCRIBE ME!Show Notes and Links at Clippingchains.com Q1: Does a 401(k) max contribution include employer contributions? (00:05:09)Q2: Should I shift additional 401(k) contributions toward paying down my mortgage early? (00:05:46)Q3: What are your thoughts on other index funds that mimic Vanguard’s Total Stock Market Index Fund, such as Fidelity’s VZROX? (00:09:34)Q4: Investing tips for a Health Savings Account (HSA). (00:15:22)Q5: Do you write off Clipping Chains business expenses for taxes? Starting a passion project seems intimidating because of up-front and out-of-pocket costs. (00:19:17)Q6: How and when do you pay yourselves from investments? (00:24:21)Q7: How is the winter climbing in St. George, Utah? (00:30:07)Q8: What are your thoughts on big expenses like children and weddings as it relates to the pursuit of financial independence? (00:32:29)Q9: I have a mandatory pension contribution requirement but I want to invest on my own. What should I do? (00:41:50)Q10: How can someone front-load their savings to allow for enjoyable (but low-pay) work that still provides for retirement income? (00:46:47)Q11: Can you talk about significant plateaus or breakthroughs in your climbing? (00:52:21)