The Bureau of Labor Statistics says the average household spends more than $7,700 per year and can be the highest cost in the budget.

The max contribution for the 401(k) and the Roth 401(k) is $19,500 yealry. If you're over 50, you can add $6,500 in catch up contributions.

For most assets the capital gain tax rates that are held for less than a year, are treated as ordinary income as if you earned a paycheck