By skyforbes Greetings: I'm curious about the group's experience with investment strategy. I am currently part of a contract workforce and receive full Medicaid coverage. I have been with the company for 4 years, work full-time, and have received Medicaid during this time. I can pay bills and make rent with the help of Medicaid for health coverage. The company I work for has finally brought on a retirement/investment option. Normally, like most on here (I imagine), anything left over to invest is a dream… However, it has happened that I have been included in conversations about possibly picking up additional hours at a higher wage. Not all the time, but possibly through holidays, etc. For the first time in forever, I have the possibility of having something extra added to my weekly pay stub to use for personal reasons, or more likely, to invest. My question lies in the use of MAGI vs medicaid eligibility. This extra money would put me over my weekly limit without making a before-tax 401(k) investment. Is it possible to do this WITHOUT screwing over my medicaid eligibility or making my life a living hell by having to deal with MDHHS. because of a handful of months of increased wages. I would love the option to add 1k bucks to a 401k for a couple of months, but not at the cost of my coverage or sanity! I know that the internet says you can spend down in Michigan, and MDHHS can't see it or use it against you. BUT, I have zero faith in the concept. Has anyone effectively been able to do this, or is it just not worth the potential nightmare? Any thoughts or advice would be appreciated.