Managing uneven cash flow is complex. In this episode, Dave and Heather discuss the complexities, particularly for business owners and W-2 employees. They emphasize the importance of knowing living expenses, setting financial goals, and having a plan for unexpected income. The conversation also touches on strategies for creating a financial runway, the significance of separating business and personal finances, and the need for continuous financial education. The hosts share insights on how to achieve financial stability and success through effective cash flow management.

Dave and Heather discuss the critical role of cash in retirement planning, emphasizing the balance between cash reserves and investments. They explore how much cash is necessary for different life stages, the importance of emergency funds, and strategies for managing cash effectively. The conversation also touches on the implications of inflation on cash holdings and the necessity of investing to maintain wealth. Listener questions provide further insights into practical cash management strategies.

Health Savings Accounts (HSAs) are worth obsessing over! Dave and Heather discuss their benefits, eligibility, contribution limits, and unique rules. They share personal anecdotes and practical advice on how to maximize the advantages of HSAs, especially in relation to tax savings and medical expenses. The conversation also touches on the implications of HSAs after age 65, employer contributions, and estate planning considerations.