What's the smartest order to use my tax-advantaged accounts as a W-2 employee?

A common, sensible priority order maximizes free money and tax savings. First, contribute enough to your 401(k) to capture the full employer match — that's an instant return you shouldn't skip. Second, if you have a high-deductible health plan, fund your HSA, the only triple-tax-advantaged account ($4,300 self / $8,550 family in 2025). Third, max a Roth or traditional IRA ($7,000, or $8,000 if 50+), using a backdoor Roth if your income is too high to contribute directly. Fourth, return to the 401(k) and work toward the $23,500 limit. After that, taxable brokerage investing and possibly mega-backdoor Roth contributions if your plan allows. This sequence balances current-year tax cuts, future tax-free growth, and liquidity. Your exact mix depends on your bracket now versus in retirement. Sketch your plan at wealthserene.com/tools/tax-strategies.