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(Kristen) Welcome to Money Matters at 7:57 with Justin Chastain. And Justin, today we are looking into that exciting world of tax brackets. So everybody wants to know, at least, what are the basics.

(Justin) Because taxes are so fun, right? But a marginal tax bracket is — whatever you are earning in your total income that you are reporting — that last dollar earned is what’s gonna be in a marginal tax bracket.

(Kristen) OK, and for the people that, you ...

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(Kristen) Welcome to Money Matters at 7:57 with Justin Chastain. And, Justin, health savings accounts. We hear this a lot: HSAs. So, they’re a little confusing. Can you help us out?

(Justin) For sure. So, the great thing about health savings accounts: It does help reduce your overall health cost if you put a little back before that expense comes up.

(Kristen) Okay.

(Justin) You also get some tax advantages from it because the money that you put into your health savings account ...

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(Kristen) Welcome to Money Matters at 7:57 with Justin Chastain. And, Justin, let’s talk about renter’s insurance. So, a lot of people want to know, what is it for?

(Justin) So, renter’s insurance protects you and your belongings, but it can even protect you outside of the dwelling that you’re renting.

(Kristen) Oh, really?

(Justin) It can. So, it gives you additional liability. So, for instance, say you take your laptop to Starbucks — and apparently you got to have a special tray ...

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(Kristen) Welcome to Money Matters at 7:57 with Justin Chastain. And, Justin, what should we consider when choosing a mortgage lender? Hot topic right now.

(Justin) For sure. Just like in any trusted advisor in your life, whether it’s in accounting, insurance, banker, make sure your mortgage lender is looking at your whole financial picture, not just saying, “Hey, I can beat this rate.” Well, what if the payment or what if the house you’re in fits your values better? They ...

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(Kristen) Welcome to Money Matters at 7:57 with Justin Chastain. And, Justin, OK, so back in January, a lot of us might have made some resolutions to save, but a lot of us may have fallen off track. So, what are the causes? I mean, the reason we do that?

(Justin) Out of sight. Out of mind. You know, resolutions, I always say, are meant to be broken. That is the one thing that we can commit to, that we will ...