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

HSA Money: Cover Expenses Now or Let It Grow? (09 February 2016)

Although you can save receipts forever and treat your HSA like a stealth IRA, I choose not to.

Encrypted USB Flash Drive For Financial and Legal Documents (02 February 2016)

How to use an inexpensive encrypted USB flash drive for your sensitive documents.

Who Manages Your Investments Versus Who Manages Your Accounts (26 January 2016)

The company that manages your investments doesn't have to be the company that manages your accounts.

Brinks Prepaid MasterCard + 5% Savings Account (19 January 2016)

Brinks Prepaid MasterCard offers 5% savings account on balance up to $5,000.

Executing Mega Backdoor Roth In Solo 401k (12 January 2016)

Executing a mega backdoor Roth in a solo 401k require these steps: elect contribution, make contribution, make distribution, issue 1099-R.


External links


  1. Amazon editor review