Is your Health Savings Account (HSA) just sitting there—or are you using it as a powerful wealth-building tool?

In this episode of The Teacher Money Show, I sit down with financial coach Eric McClarey to explore how teachers can maximize the triple tax advantages of HSAs: tax-free contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses.

Explore the show notes at:

https://www.teachermoneyshow.com/show84

Become a guest on the show:

https://www.teachermoneyshow.com/guest

Leave a voicemail question:

https://www.speakpipe.com/teachermoneyshow

Start your money saving journey today with Ally Bank's High Yield Savings Account (affiliate link):

https://ally.com/referral?code=2M3W3K5F9F

In this episode we discuss:

🏥 HSA vs FSA – What’s the difference and which one is better for teachers?

📈 How to invest your HSA, not just spend it

💰 Why low fees and strong investment options are essential

🧾 Smart strategies for paying out of pocket and saving receipts

📊 How to evaluate if an HSA is the right fit for your current health plan

🛠️ Practical ways to make room in your budget to contribute to an HSA

🧠 Why personal finance is personal—HSAs aren’t a one-size-fits-all solution

Whether you’re brand new to HSAs or looking to get more strategic, this episode will help you turn a health account into a long-term financial asset.

🔔 Don’t forget to like, subscribe, and share with a teacher who needs to hear this!

#TeacherMoney #HSAInvesting #TeacherFinance #FinancialWellness #HealthSavingsAccount #RetirementPlanning #TeachersAndMoney #PersonalFinanceForTeachers #EducatorWealth #TeacherMoneyShow

Financial stress is quietly pushing great teachers out of the profession—and it's time we talk about it. So let's talk about the often-overlooked pillar of educator wellness: financial wellness. While schools promote mental and physical health, financial stress is a major barrier that impacts teacher performance, retention, and well-being.Explore the show notes at:https://www.teachermoneyshow.com/show83Become a guest on the show:https://www.teachermoneyshow.com/guestLeave a voicemail question:https://www.speakpipe.com/teachermoneyshowNeed help? Get Coachinghttps://www.teachermoneyshow.com/coachingWant me to speak at your school?https://www.shaunkmorgan.comHere's what I talk about:💸 Why financial wellness is just as critical as mental and physical health📉 The real reason current financial “support” in schools often fails teachers📢 How teachers can advocate for real financial education and coaching in their districts🛑 The risk of economic uncertainty and how teachers can protect themselves✅ A roadmap for building financial resilience and staying in the classroom long termIf you’re a teacher tired of feeling financially stuck and you're ready to bring real change to your school, this episode is for you.🎧 Don’t forget to like, subscribe, and share this with a fellow teacher who needs to hear it!#TeacherMoney #FinancialWellness #TeacherRetention #FinancialEducation #TeachersDeserveBetter #PersonalFinanceForTeachers #TeacherMoneyShow #EducatorWellness #BudgetingForTeachers #TeacherAdvocacy

In this episode of The Teacher Money Show, I sit down with financial planner and tax expert Sean Mullaney to break down smart tax planning strategies for teachers. Whether you’re focused on maximizing your retirement accounts, exploring the benefits of an HSA, or building a side hustle, Sean shares practical, actionable tips to help you make the most of your money next tax season.

Explore the show notes at:

https://www.teachermoneyshow.com/show82

Become a guest on the show:

https://www.teachermoneyshow.com/guest

Leave a voicemail question:

https://www.speakpipe.com/teachermoneyshow

Get Free Only Financial Planning with Nectarine (affiliate)

https://hellonectarine.com/r/teachermoney

We cover how tax planning has evolved in recent years, especially with the rise of the standard deduction, and what that means for educators trying to lower their tax bill and build long-term wealth.

💡 Topics We Cover:

-How the shift to the standard deduction impacts your tax strategy

-Traditional vs. Roth contributions: what teachers need to consider

-The "compelling three" approach: traditional 403b/401k, Roth IRA, and taxable brokerage

-Hidden power of HSAs (Health Savings Accounts) and how to use them for tax-free retirement income

-Side hustle tax tips: how to use SEP IRAs and Solo 401ks for additional savings

-Real estate investing: what counts as passive income and how to use depreciation

-When it’s time to bring in a tax professional

🎯 Whether you're a veteran educator or new to the classroom, this episode will help you create a tax-efficient strategy that aligns with your goals—without getting overwhelmed by the complexity of the tax code.

🔔 Don’t forget to like, subscribe, and share with a fellow teacher who needs to hear this!

🎙️ Subscribe to The Teacher Money Show wherever you get your podcasts.

#TeacherFinance #TaxPlanning #FinancialLiteracy #403b #RothIRA #SideHustleTips #HSATaxBenefits #Solo401k #TeacherMoneyShow #SeanMullaney #RetirementPlanning

The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Shaun and the Teacher Money Show podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services.