Max Out of Pocket

How I Slashed My Retirement Expense Fees By Over 40%

I got a complicated-looking letter from my retirement account administrator about a month ago. It was too long to understand and the only take away I got was my employer was no longer going to offer the Vanguard Index Fund (VINIX) I had selected as the landing place for my hard-earned cash. I immediately got irritated. After all, I have been front-loading thousands of dollars of every paycheck into this fund over the last few months.

Front-Loading and a $12 Pay Check

Since Max OOP doesn’t need much cash from my paycheck these days, I figured I would continue my front-loading strategy for 2019. My 403(b) retirement bucket can hold $19,000 in 2019. Front-loading is basically paying myself before the federal government. I defer taxes now instead of slowly all year. It gives me more time in the market. The Mad Fientist can explain it much better than I can here. Trust me, if I can do it,...


Welcome to Max Out of Pocket! I’m Max. After spending over a decade working in the American healthcare system, I woke up burned out (morally injured) and wondering how I can help a stretched and broken system. I am not a clinician. I don’t even do the hard work. I work in the background. The amazing clinicians we have in this country that are taking care of our loved ones do the real work. But...