We’re back to the digital mailbag to answer your questions!

For this week:

• Thoughts on the bear market
• Getting invested with a Health Savings Account
• Paying for education with retirement accounts
• My philosophy on rest from climbing
• How to develop financial mentorship in the climbing community
• Travel and rescue insurance ideas
• Determining a cost-effective approach to climbing destinations
• Should I open an IRA if my employer doesn’t offer a 401(k) match?
• How to not get wrecked moving from sport climbing or bouldering to trad climbing
• The risks of owning property in an area that could be running out of water
• Getting a home loan with inconsistent income history

 

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Show Notes and Links at Clippingchains.com

 

Q1: Thoughts on the ongoing bear market. (00:03:00)Q2: How do I set up an investment account within my Health Savings Account? (00:13:52)Q3: Should I use my IRA funds to pay for grad school or get a loan? (00:17:06)Q4: Do you ever take a break from climbing? Why, and for how long? (00:26:39)Q5: How can we develop financial mentorship in the climbing community? (00:30:56)Q6: What kind of global travel/accident/rescue plans are available and what do they look like? (00:32:44)Q7: How could we determine a cost-effective approach to climbing destinations? (00:36:27)Q8: If my employer offers a 401(k), but with no matching, what would the pros/cons be to opening an IRA on my own instead? (00:39:56)Q9: What takeaways do you have from your experience getting back into trad climbing? I want to get more familiar and comfortable climbing on gear this season. (00:43:13)Q10: Can you elaborate on the analysis you and Mrs. CC did when deciding whether or not to buy a house in a place that’s running out of water? (00:47:22)Q11: How do I convince a bank to give me a home loan with inconsistent income history? (00:53:19)