The One Money Mistake 90% Of PAs Are Still Making in 2026

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What if I told you that you might be leaving millions of dollars on the table for your future retirement… all because of one tiny mistake you made years ago—and probably never checked again? The crazy part is that almost every medical professional I work with makes this exact error.

In this video, I’m breaking down one of the most common—and most financially devastating—mistakes PAs, NPs, and PharmDs make inside their employer retirement accounts. It’s not an investing strategy, it’s not a risk issue, and it’s not anything complicated. It’s literally one button inside your employer retirement portal.

🔍 KEY TAKEAWAYS

The one common retirement mistake medical professionals overlook
Why updating your 401(k), 403(b), Roth IRA, and HSA matters every single year
2026 contribution limits for:
• 401(k)/403(b)
• Solo 401(k)
• Roth IRA & Backdoor Roth
• HSA (individual & family)

How increased contribution limits affect your long-term wealth
What investing rates are needed to max out all accounts at various income levels
2026 tax brackets and standard deduction changes
Huge tax hacks for parents: Dependent Care FSA + Child & Dependent Care Credit
A step-by-step checklist to avoid losing millions in retirement growth

🕒 TIMESTAMPS

00:00 – The retirement mistake costing medical pros millions
00:44 – The single button most people never re-check
01:33 – Why IRS updates matter more in 2026
01:54 – 401(k) & 403(b) contribution limits explained
02:21 – Solo 401(k) max update: $72,000
02:35 – Roth IRA & Backdoor Roth limits for 2026
03:30 – Why the HSA is the most tax-advantaged account
04:00 – How much income you need to max all three accounts
05:51 – Understanding your 2026 federal tax bracket
06:47 – Huge tax advantages for parents
08:30 – What to do if you’re making this mistake right now

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