A 45-year-old physician earning $400,000 walks into open enrollment with the usual reflex: max the 401(k), grab the match, move on. The math says pause. Before another dollar goes into the 401(k) beyond the employer match, the high-deductible health plan paired with a Health Savings Account deserves the next contribution, and most plan documents will not flag this. A long-running thread on the White Coat Investor forum captures the same conclusion: fund the HSA ahead of the 403(b), pay current healthcare co ...