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Case File #2: single, 43, Georgia, ~$250K income, $250K saved in cash.. and no Roth, no HSA, no brokerage, no structure. The average US savings account pays 0.38% (FDIC), and even a good high-yield account doesn't fix paying full tax on everything while the pile holds still. The plan repositioned what he already had: backdoor Roth, an HSA once he's on a qualifying high-deductible plan, first LLC, and the longer-term anchor of a home with an ADU as a short-term rental (7-day-average-stay rule mat