Is there a targeted HSA balance? Currently have ~$7500 and maxing every year but thinking of lowering contributions to save for a down payment. Single under 30 rarely go to the doctor.

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Lots of folks max is after maxing 401k and IRA as it is like a kicker to your retirement accounts. The reason is that it is both income tax and capital gains tax shielded, and can be withdrawn for non medical expense during retirement.

Suggest you keep maxing it.

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First goal should be to have enough to cover your yearly max out of pocket amount as per your insurance. Beyond that it's a triple tax exempt retirement account (that can double as a medical emergency fund). You'll need money to retire, and there's a 100% chance you'll incur medical expenses at some point. If you can max it, do it.

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Buy a house

Have enough for two max out of pocket Years.

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