The Finance Buff

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The Finance Buff
Born Harry Sit
Occupation Certified Employee Benefits Specialist, Author
Notable work Explore TIPS
Website The Finance Buff
The Finance Buff a.k.a. TFB is a pseudonym used by a blogger who writes a blog by the same name at He has been sharing his thoughts and experience about personal finance with online readers since 2006. Today, more than 50,000 people visit his blog in any month.

— from Editor review at Amazon[1]

TFB joined the Bogleheads Forum in 2007 as its 5th registered user. He is the author of the chapter on defined benefit pension plans in Bogleheads' Guide to Retirement Planning (John Wiley & Sons, 2009). He also regularly contributes to the forum and wiki.

TFB holds an MBA degree in Finance. He has a Certified Employee Benefits Specialist (CEBS) designation from the International Foundation of Employee Benefit Plans and the Wharton School of Business, University of Pennsylvania.


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The Finance Buff avatar.

TFB - The Finance BuffRSS Feed icon - 200px.png RSS feed

2016 and 2017 HSA Contribution Limits (29 April 2016)

2016 and 2017 calendar year HSA contribution limit and HDHP qualification for individual coverage and family coverage. No change for the most part due to low inflation.

Mega Backdoor Roth: Convert Within Plan or Out to Roth IRA? (26 April 2016)

When your 401k-type plan allows non-Roth after-tax contributions, you can take the money out to a Roth IRA or convert to Roth within the plan. Either way works.

Mutual Fund Or ETF Dividend Frequency and Compounding (19 April 2016)

How often a mutual fund or ETF pays dividends doesn't affect its performance.

Mega Backdoor Roth in TurboTax (12 April 2016)

It's very easy to enter the 1099-R from mega backdoor Roth into TurboTax.

Early Retirement and Opportunity Cost (05 April 2016)

Early retirement is expensive when you include the opportunity cost. It's the opposite of frugality.


External links


  1. Amazon editor review