How Do You Invest Without Paying Taxes?

This Ask The Compound episode covers housing affordability, tax-efficient ways to fund a home purchase, AI-related job insecurity, using volatile assets as diversifiers, HSA planning for single parents, and Roth 401(k) rules. Ben Carlson, Duncan Hill, and Bill Sweet argue that US housing can keep getting less affordable, that a fixed mortgage acts as a short-dollar inflation hedge, and that small volatile allocations can improve portfolio diversification. Most other topics are personal finance and tax-account guidance rather than tradeable security calls. - Ben compares US housing affordability to other countries and argues US unaffordability can keep worsening because supply is constrained and political will is lacking. - Bill advises a homebuyer to match investment gains with losses when raising cash for a home purchase. - Ben and Bill say it is premature to make homebuying decisions based on speculative AI job-loss fears. - Ben discusses using a 5-10% allocation to volatile assets such as precious metals equities for rebalancing benefits. - Duncan says he uses Bitcoin as a small 2% volatile diversifier. - Bill explains when HSAs and Roth 401(k)s are most useful and why Roth assets are better for inheritance. - The group also discusses mortgage points, fixed mortgages as short-dollar exposure, and avoiding HOA properties.