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Pre-Tax Money That Lowers Your Tax Bill

Pre-Tax Money That Lowers Your Tax Bill

Updated 9/29/2026

FinanceEN278.1 KB

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What you'll learn

  • Understand how pre-tax accounts lower your taxable income
  • Recognize employer match as free money you should never miss
  • Choose between Traditional and Roth IRA based on your tax situation
  • Know why an HSA is triple tax-advantaged
  • Use FSAs to pay for health care and childcare with pre-tax dollars
  • Debunk myths that these accounts are only for rich people or citizens

About

Learn the simplest legal way to lower your tax bill: moving money into pre-tax accounts before the IRS can touch it.

What's inside· 10 lessons
  1. 1Traditional IRA vs. Roth IRA
  2. 2Why Your Paycheck Feels Smaller
  3. 3Quick Check: Employer Match
  4. 4Myths vs. Facts
  5. 5The Trade-Off
  6. 6Before and After Examples
  7. 7Knowledge Check Quiz
  8. 8The 401(k) and 403(b)
  9. 9FSAs for Health Care and Childcare
  10. 10The HSA: Triple Tax-Advantaged Account

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Pre-Tax Money That Lowers Your Tax Bill · HyracHub