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HSA can be used as a retirement vehicle OR for eligible health expenses.
Below photo is a common flow chart for investments. Doesn’t include HSA, the would throw it with Roth IRA. Max it.
Max out your 401k as soon as you can. Your 55 year old self will thank you!! (But follow the flow chart posted above to get there. It is rock solid.)
Absolutely max your HSA and try not to [ever] use it to reimburse your medical expenses. The triple tax advantage basically makes it more powerful than any other market-based investment bucket.
Just remember to actually invest the balance into low fee index funds and not just let it sit in your settlement fund. Unfortunately some people don't realize this.
HSA is only 3500/year. Yes, max out HSA. Some companies even match a percentage if you have high deductible health plan.
Read this:
https://www.etf.com/docs/IfYouCan.pdf