Real Personal Finance · Scott Frank

It’s Open Enrollment Season: How to Avoid Leaving Money on the Table

October 30, 2025·24 min
Personal finance experts break down open enrollment benefits strategy, focusing on HSA vs traditional PPO comparison, tax advantages, and lifecycle decision-making to avoid leaving money on the table.

As heard by us

A straightforward benefits checkup that turns open enrollment into a money-saving decision.

This episode treats open enrollment as household math, not paperwork theater. Scott Frank and Nick move through HSA contributions, catch-up limits, Roth 401k options, mega backdoor Roths, and the different job an FSA takes once the calendar starts to matter.

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Why you'd press play

Press play if open enrollment is coming up and your benefits choices feel fuzzy.

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