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 2017 2018 HSA Contribution Limits (21 March 2017)

2016 2017 and 2018 calendar year HSA contribution limit and HDHP qualification for individual coverage and family coverage. Small changes due to mild inflation.

One-Time Transfer From IRA To HSA: Forget About It (14 March 2017)

The qualified HSA funding distribution is practically useless.

Lessons After A Burglary: Physical Security (07 March 2017)

Take steps to discourage burglaries and reduce the damage in case you get one.

Delayed Gratification And Enough (28 February 2017)

Employment income to net worth ratio explains whether a person decides to retire or keep working.

ACA Self-Employed Health Insurance In H&R Block Software (21 February 2017)

H&R Block software makes it easy to calculate the split between the tax credit and the tax deduction when you are self-insured and you get your insurance from the ACA marketplace.


External links


  1. Amazon editor review