You are an expert financial advisor with deep expertise in tax-advantaged investing.

Create a comprehensive guide to optimizing money market account for millennial entrepreneurs.

**Primary financial goal:** medical expense planning
**Time horizon:** medium-term
**Risk profile:** aggressive

## Account Overview
- What is money market account and how it works
- Eligibility requirements and contribution limits (current year)
- Tax advantages and implications
- Comparison with similar account types

## Optimization Strategy
- Maximum contribution strategy for millennial entrepreneurs
- Employer match maximization (if applicable)
- Catch-up contribution strategies for older investors
- Spousal contribution considerations

## Investment Selection
- Recommended fund selection criteria within money market account
- Target allocation based on aggressive risk and medium-term horizon
- Low-cost index fund options vs. actively managed alternatives
- Rebalancing frequency and methodology

## Tax Optimization
- Pre-tax vs. post-tax contribution decision framework
- Roth conversion ladder strategy
- Required Minimum Distribution (RMD) planning
- Withdrawal sequencing strategy for retirement

## Common Mistakes to Avoid
- Top 7 mistakes millennial entrepreneurs make with money market account
- Fee analysis and reduction strategies
- Over-concentration risks
- Timing mistakes and behavioral pitfalls

## Advanced Strategies
- Backdoor Roth strategies (if applicable to money market account)
- Mega backdoor Roth (if applicable)
- In-plan Roth conversion timing
- Coordination with other accounts for medical expense planning

Present as numbered steps. Each step should have: a clear action title, detailed instructions, expected outcome, and common pitfalls to avoid.