A complete mental model of the U.S. investing account system

Understand exactly which investing accounts you qualify for, how they work, and how to prioritize them based on different goals.


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Does this sound familiar?

You've got money sitting somewhere.

Maybe it's in a savings account earning almost nothing. Maybe it's in a 401(k) you set up years ago and haven't touched since. Maybe you've even opened a Roth IRA because someone told you to.

But here's the thing...

You're not 100% sure you're doing this right.

You've Googled "Roth IRA vs Traditional IRA" more times than you'd like to admit.

You've watched YouTube videos that explain accounts in 8 minutes but leave you with more questions than answers.

You've heard terms like "backdoor Roth" and "HSA triple tax advantage" and thought... I should probably know what that means.

 

The $100,000+ Mistake No One Talks About

I talked to someone recently who had been adding money to their Roth IRA every single year for 15 years.

They thought they were doing everything right.

Turns out? They never actually invested the money inside the account.

It was just sitting in a money market fund. Earning almost nothing for a decade and a half.

Here's what most people don't understand:

A Roth IRA is just a container.

You still have to choose what goes inside it.

And if you don't? Your money sits there doing nothing while you think you're "investing."

This person lost out on potentially $100,000+ in growth not because they made a bad investment, but because they didn't understand how the account actually worked.

 

The Tax You're Paying Without Realizing It

Most people don't lose money because of bad investments.

They lose money because they're using the wrong account for the right investment.

Here's what that actually costs you:

→ Missing your employer match = Leaving free money on the table (often $2,000-$10,000+ per year)

→ Using a taxable brokerage when you qualify for tax-advantaged accounts = Paying up to 15-37% in taxes on gains you didn't need to pay

→ Putting money in a Traditional IRA when Roth makes more sense for you = Owing taxes later when your money has grown 5x

→ Not knowing about the Backdoor Roth IRA = High earners missing out on $7,500/year of tax-free growth

→ Ignoring your HSA = Missing the only account with a triple tax advantage

The difference between knowing this and not knowing this?

Potentially tens of thousands of dollars over your investing lifetime.

And the worst part? No one teaches you this.

Not school. Not your employer. Not even many financial advisors. 

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⭐ The 2026 Investing Account Breakdown Video Workshop ($75 value)

Understand the account before you move money.

A clear walkthrough of the most common investing accounts designed for implementation, not just information.

For each account, you'll learn:

  • What the account is actually designed for (not just the textbook definition)
  • Who typically qualifies (and who doesn't)
  • The real benefits AND the limitations no one mentions
  • The 2026 contribution limits
  • Common mistakes that cost people money
  • When this account should be a priority vs. when to skip it

Accounts Covered:

Account What You'll Finally Understand
401(k) + Employer Match How to not leave free money behind
Roth IRA Who should use this, who shouldn't, and the income limits that matter
Traditional IRA When this beats Roth (and when it doesn't)
Backdoor Roth IRA The strategy high earners use to get access to tax-free growth
HSA (Health Savings Account) The only account with a triple tax advantage and how to use it for investing
Taxable Brokerage When to use this flexible account
529 College Savings Plan The right way to save for education (with flexibility most people miss)
Custodial Accounts (UGMA/UTMA) Investing for kids without locking money in education
Roth IRA for Kids How to give your kids a massive early retirement start
403(b) / 457 Plans For teachers, government employees, and non-profit workers

⭐ The “Order of Operations” Worksheet ($40 value)

Stop wondering which account comes first.

A guided worksheet that helps you:

  • Understand how to prioritize accounts based on your income, job, and goals
  • Avoid the trap of trying to “do everything at once”
  • Walk away with a ranked list of your 2026 priority accounts

⭐ The Account Setup & Optimization Guide ($59 value)

Know how to take action after the workshop.

A written guide that covers:

  • How each account is typically opened
  • What to look for when choosing a provider
  • Key setup decisions beginners often overlook
  • Optimization nuances most people don’t learn until years later

⭐ Lifetime Access

Built to stay relevant beyond January.

  • Lifetime access to the workshop and all materials
  • Always available inside Money Mastery for full-system students

⭐ Pre-Order Before January 15th and Get:

The 2026 Strategy Worksheet (Bonus)

  • A framework to set financial goals for 2026 (even if you feel behind)
  • A 2026 checklist to build a strong financial foundation
  • A guide to search for lost money from old accounts (average find: $400+)

This bonus disappears January 15th.

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This Workshop Is For You If:

✅ You want to understand how different investing accounts work with the 2026 rules and limits

✅ You're tired of piecing everything together from random YouTube videos

✅ You've heard about Roth IRAs, HSAs, and backdoor conversions but don't know how they work or what applies to you

This Workshop Is NOT For You If:

❌ You're looking for day trading, stock picks, or get-rich-quick strategies

❌ You want personalized tax advice that only a CPA can provide

❌ You're outside the U.S. (these accounts are specific to the American tax system)

Questions You Might Have:

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From Past Market Hustle Students:

Holly

Holly

Money Mastery Student

I was able to rebalance both my 401k and Roth IRA with valuable information I learned about my investment strategy and style. I have a deeper knowledge of the different funds and what will benefit me most.

I hit the 100k total investment mark last month, and that was a huge milestone that I couldn't dream of last year.

My Roth for this year will be maxed out by the end of July, and I'll focus on upping my 401k and taxable brokerage until the end of the year.

I absolutely loved the course and it was motivational for me. Thank you!

Dylan

Dylan

Money Mastery Student

And I looked back to when I said you helped me get to the $500K milestone in early July with Money Mastery. Just totaled me and my wife’s IRAs and we added over $75K in 6 short months!!!

The contributions combined with all the compounding interest is doing wonders. Thank you again!!!

V

V

Money Mastery Student

Money Mastery continues to be a game changer for me. I’m on track to have $30,000 invested by the end of the year.

I have a solid debt payoff plan that’s been working and I’ve never felt more locked in, focused, or confident in my money moves.

Super appreciate you and the entire ethos of The Market Hustle.

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I'm Josh, Creator of The Market Hustle

Josh, Founder of The Market Hustle

I didn't grow up with a trust fund.

And when I first tried to talk to a financial advisor to learn, they basically said:

"Come back when you're rich."

So I taught myself.

I read every book. Got a business degree. Invested through good markets and bad.

And eventually built a system that combined everything I've learned.

The Market Hustle is built for people who feel behind, overwhelmed, or just tired of trying to piece it all together from random social media posts.

Because here's what I believe:

The best hustle is getting your money to work harder than you are.

That's what this workshop is about. Not day trading. Not stock picks. Not complicated strategies only people with MBA's can understand. 

The stuff that actually moves you closer towards financial freedom. 

Josh
11+
Years Experience
1M+
Followers
3,000+
MM Students Helped
 

While I'm deeply passionate about personal finance and investing, I'm not a CPA or licensed financial advisor. Everything I share is for educational purposes only. I focus on teaching frameworks, systems, and how I personally think about money, not personalized tax or financial advice.

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Pre-Order Deal

Get The 2026 Investing Account Workshop

$47
Normally $97

Price increases when it launches January 24th.

What’s Included

  • ✓ The 2026 Investing Account Breakdown (Video Workshop) — $97 value
  • ✓ The “Order of Operations” Worksheet — $47 value
  • ✓ Account Setup & Optimization Guide — $47 value
  • ✓ Lifetime Access — included
Bonus (Pre-Order Only)
2026 Strategy Worksheet — $27 value
This bonus disappears January 15th.
Your price today
  Pre-order pricing ends when we launch on Jan 24.
$47
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Already Thinking About the Full System?

If you decide to upgrade to Money Mastery (the complete financial automation system), your $47 workshop purchase is credited toward your enrollment.

Money Mastery includes:

  • Budgeting and cash flow systems
  • Full investing education (ETFs, stocks, portfolio building)
  • Automation frameworks
  • Long-term strategy and implementation
  • This workshop (included free for all MM students)

Think of the workshop as clarity around the containers.

Money Mastery is the operating system that runs everything inside them.

The Market Hustle Guarantee

If this workshop doesn't help you understand your investing accounts better, I'll refund you and you keep everything.

Just message me within 90 days of purchase with your receipt.

Because I'd rather you move forward than stay stuck another year.

Additional Questions You Might Have:

The Best Time to Learn This Was Years Ago.

The Second Best Time? Now.

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All content in this workshop is educational and general in nature. Nothing in this workshop should be considered personalized financial or tax advice