Your HSA is a financial cheat code.

Most of my coworkers throw 5 or 10 bucks into this and keep it in cash.

This wrong.

Max that thing out every year you can.

Tax-free in, tax-free growth, tax-free out (for medical).

If you reach 65, you can w/d it like a normal IRA too

If you are single and healthy, you SHOULD be maxing this out through your work payroll.

Mine is ready to pay my out-of-pocket-max bills for 5+ years.

And I pay less tax every year because of the deduction.

The other thing most people don't know is that you can have an HSA with multiple banks.

My payroll sends it to a bank checking account. I then periodically transfer it to another company where I can invest in VTSAX index funds.

This is how you grow the treasure trove.

To summarize:

DO:
- Practice a healthy lifestyle
- Max your HSA account via work payroll
- Keep in cash (checking/savings) what you need for out-of-pocket medical bills for one year max
- Invest surplus money

DON'T:
- Assume you'll be healthy forever
- Ignore this tax loophole