GoKawiilA savings priority order for 401(k), IRA, and HSA contributions
Financial planners commonly recommend a sequence for allocating limited retirement savings dollars: capture any employer 401(k) match first, then max out an HSA if eligible, followed by an IRA (Roth or traditional), and finally additional 401(k) contributions up to the annual limit. The framework helps savers with a fixed monthly or yearly budget decide where each dollar produces the most value.