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REDDIT

Do people use taxable brokerage to fund 401(k), HSA and IRA? Like tax arbitrage?

I
May 9, 2026 · 05:41

Hypothetically let's say you had a brokerage account with $100k that probably has some substantial gains.

You earn $100k per year but your expenses are also $100k, meaning you're not contributing to 401(k), HSA, or IRA.

Would it be wise to max all 3 and sell from the brokerage account to fund everyday expenses until it was depleted?

Basically tax arbitraging your brokerage to tax deferred or tax sheltered accounts.

Does anyone do this?