Ryan Sterling
speaker
807 appearances
4 recordings
1 series
first heard Feb 2026
last heard 7 Sep
Ryan Sterling’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 4 in all, peaking in Sep 2026 with 1.
Appearances
It it happens, it's not fun.
I can tell you uh a hundred percent of them have landed and uh and are in a good place, but nonetheless, it's very hard to go through.
But I can't tell you how many conversations I have when someone goes through that layoff and they're like, I have three months of severance or four months or five months of severance.
And they say, I really kind of want to enjoy this time though.
I don't want to rush into the next opportunity.
You know, I don't know when I'm gonna have three, four, five, six months off ever again.
And that emergency fund allows you that time and space where, yes, it still produces a lot of anxiety when you're looking for a job.
But when you know that you have that runway, when you know that you have that buffer, it may
Makes the process less anxiety producing, which probably makes you a better interviewer, but also it allows you to have that time and space to say, you know what, maybe I want to take a little vacation and kind of, you know, enjoy this time because I'm I don't know when I'm gonna have this free time ever again.
So, so again, it's one of those things where that emergency savings fund it helps get you through a storm, but it also provides you time.
The benefits are number one is you get a tax deduction when the money goes in.
You can then invest the cash in an HSA so you can get a return on that money.
The big power to the HSA is that you don't have to use it in a year.
So if you have a five-year stretch, for example, where you're contributing to the HSA or maybe a 10-year stretch, and you don't have any health emergencies or any need to tap the HSA, that money is growing tax-free.
You get the tax deduction, it's growing tax-free.
Tax-free.
And then when you use it for healthcare in the future, that money comes out as tax-free.
So it is a way to get a tax deduction.
It's a way to grow your investments on a tax-free basis.
But the big key is for people who want to retire before traditional retirement age, the HSA can be an amazing tool to bridge that gap for healthcare costs between.
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