Core Insights - The article emphasizes the distinction between high-income earners and wealthy individuals, highlighting that a high salary does not equate to wealth if financial management is lacking [1] Financial Strategies for High-Income Earners - The article discusses a playbook for high-income earners, suggesting they create an emergency fund of three to six months' worth of expenses to handle unexpected financial challenges [3] - It recommends that individuals with balances over $50,000 should consider cash management accounts (CMA) to earn higher interest rates of 2.5% to 5% while maintaining liquidity [4] - The playbook advises maximizing health savings account (HSA) contributions, which are tax-advantaged and provide triple tax benefits, including tax-deductible contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses [4][5] - It is noted that many individuals fail to invest the funds in their HSAs, which is a missed opportunity for growth [6]