Just realized I totally screwed up not saving for retirement as much as I wanted in 2025, but apparently there's still a window if you move fast. Like, if you didn't max out your IRA or HSA, you can still throw money in until the tax deadline which honestly just passed a few days ago (April 15). I had no idea about this tbh.

So the thing is, not saving for retirement doesn't have to be a complete L if you act now. IRAs let you put in $7k if you're under 50, or $8k if you're older. HSAs are another option - $4,300 for individual plans or $8,550 for family. The catch is you gotta contact your plan administrator and make sure they know you want this applied to 2025, not 2026.

I'm kicking myself because apparently doing this also reduces your tax bill for the year, which could mean a bigger refund. And it doesn't touch your 2026 limits, so you can still contribute fresh money this year. For anyone else who's been not saving for retirement and feeling bad about it, this might be your last chance to salvage 2025. Just hit up your plan admin and ask about prior-year contributions before time completely runs out.