Sudhir Manchanda

[Sudhir Manchanda @sid12ume]

FYI: I built a calculator to compare PPO vs. High Deductible plans at https://t.co/7eHjPKQiCy.

Here is the visual of a sample scenario.

[Sudhir Manchanda @sid12ume]

💡 Paying for dual health insurance for children? You might be wasting thousands. I learned this the hard way.

Say, one of the insurance plans has a $5,000 deductible, while the other has $1,500.

The catch? You need to know which one would be considered primary.

[Sudhir Manchanda @sid12ume]

Bottom line:
More insurance ≠ better coverage.

It often just means more complexity and wasted money.

Have you dealt with coordination of benefits between multiple plans?

What surprised you the most?

[Sudhir Manchanda @sid12ume]

Are you treating your HSA like the investment account it can be??

[Sudhir Manchanda @sid12ume]

Stop treating your HSA as just a savings account. It's a powerful investment vehicle with a TRIPLE tax advantage that could also become your retirement account.

For years, I thought of my Health Savings Account as just a rainy-day fund for medical bills.
But...

[Sudhir Manchanda @sid12ume]

I'm seeing more people strategically choose High Deductible Health Plans just to unlock HSA access. When you compare premiums and out-of-pocket maximums, i.e. for those who have large medical bills, HDHPs often cost about the same as PPOs - but with a massive investment upside.

[Sudhir Manchanda @sid12ume]

Why is it difficult to be a contrarian? Per Microsoft and Meta, 30% of their code is now written by AI, and latter is aiming for 50% next year. Taking a counter-view would mean being bearish on AI and these giants.

[Sudhir Manchanda @sid12ume]

The first 10 pages are all that's needed - the rest of the book provides evidence and assesses ways to leverage with margin, options etc.

[Sudhir Manchanda @sid12ume]

I am fascinated by the idea of using leverage to reduce risk, not just to improve returns.

Particularly, leveraging investments early-ish in our career to get better diversification across time.
Strongly recommend reading Lifecycle Investing.