Episode 136: Money Moves Before December 31
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Episode 136: Money Moves Before December 31
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In Episode 136 of Doctor’s Wealth and Wellness, “Money Moves Before December 31,” Norm Wright treats the fourth quarter as the strategy for employed physicians who need to finish 2026 strong before payroll cutoffs and open enrollment close. He reviews the 2026 limits—$24,500 employee deferrals to a 401(k), 403(b), or governmental 457(b) under age 50, $7,500 for an IRA, and HSA limits of $4,400 self-only or $8,750 family—and outlines three year-end moves: raise workplace deferrals now so remaining pay periods reach the cap, then complete the backdoor Roth (with an advisor or tax professional) and max the HSA if eligible; use open enrollment as a financial decision by reviewing the health plan, HSA versus FSA, disability coverage, and life insurance rather than default-clicking; and lock in 2027 contribution and HSA elections so January starts on autopilot. The message is that a short September–October checklist keeps high W-2 income from being left unsheltered and next year’s benefits from being set by accident. Examples in this episode are hypothetical and not representative of a specific individual.