Financial Independence: How to Save and Pay Less to Uncle Sam - San Francisco Bay Times
Briefly

Contribute to a 401(k) plan and IRA to reduce taxable income. Employer matches provide free money. Utilize an HSA for tax benefits and save for healthcare costs in retirement.
Maximizing contributions to retirement accounts like a 401(k), IRA, and HSA can significantly impact savings and tax benefits for your future financial security.
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