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

Savings Rate and Mortgage Loan Payments (14 November 2017)

The final answer on whether loan payments are savings or an expense.

401(a) Plan Contribution Limit (31 October 2017)

A 401(a) plan allows additional contributions on top of 401(k), 403(b), and 457 plans.

Best HSA Provider for Investing HSA Money (24 October 2017)

Three best HSA providers for those who invest the HSA money.

TD Ameritrade Commission-Free ETFs Going Much Worse (17 October 2017)

TD Ameritrade gutted its commission-free ETFs list for the worse. This also made several HSA programs not so great any more.

How Advice-Only Works (05 October 2017)

An interview with financial advisor Allan Roth on how he works under the hourly Advice-Only model.


External links


  1. Amazon editor review