Decide
Maxed Out, Now What?
A practical framework for deciding where the next dollar goes after the basics are covered.
You’ve handled the obvious steps. Now the harder question starts: what should the next dollar do?
This guide walks through the decisions that tend to come next — including tax-advantaged space, taxable investing, cash, debt, HSA strategy, real estate, rebalancing, and implementation.
It is built to help you understand the tradeoffs and make your own decisions with a clearer framework.
Get the guide — $15 PDF guide · Instant download
Educational only. Not individualized financial, tax, or legal advice.
What's Inside
- The Next Dollar Decision Framework
- “Start Here” routing: which problem are you solving?
- A fill-in priority snapshot for the current year
- Where the next dollar goes: debt, cash, tax-advantaged space, near-term goals, long-term investing
- Taxable-account considerations, and the cash question with a Cash Assignment Worksheet
- HSA as a long-term investing tool, with a setup checklist
- Rebalancing and tax-loss harvesting, kept simple
- Real estate: investment or second job?
- Estate basics for single people, and when you actually need a professional
- A Mega Backdoor Roth plan check
- A 12-Month Action Plan and Implementation Scorecard
Who It's For
- High earners who've maxed their 401(k), HSA, and Roth IRA
- People tired of advice that stops right after “max your retirement accounts”
- People who want a low-maintenance, evidence-based investing approach
- People who want an actual plan, not another list of options
What It Does NOT Do
- No stock picks or market-timing calls
- No personalized financial, tax, legal, or investment advice
- No ongoing subscription or updates
- No guarantee of investment returns
In the Download
- Maxed Out, Now What? — a PDF guide, 2026 edition
- Worksheets and a priority snapshot you fill in yourself
- A 12-Month Action Plan and Implementation Scorecard
FAQ
- How long does it take to read?
- It's a compact PDF, short enough to read in one sitting. The worksheets are meant to be revisited as your situation changes.
- Do I need to already know how to invest?
- No. It's written for people who've been maxing the standard accounts but haven't had to think past that yet.
- Is this financial advice?
- No. It's educational content about general investing principles and account types, not individualized financial, tax, legal, or investment advice for your situation.
- Does it recommend specific stocks or funds?
- No. It focuses on a low-cost portfolio approach and principles, not stock picks or market-timing calls.
- Does it cover estate planning?
- It covers estate basics relevant to single people, not comprehensive estate planning — check with an estate attorney for your specific situation.
- What format is it?
- A downloadable PDF, delivered instantly through Payhip after purchase.
Get The Guide
Maxed Out, Now What?
A practical framework for deciding where the next dollar goes after the basics are covered.
Educational Disclaimer: For educational and informational purposes only. This guide does not provide personalized financial, tax, legal, investment, or estate-planning advice. Verify current rules, limits, and eligibility for your own situation before acting.