Should I use my HSA for pregnancy/birth costs (now) or keep it invested within the HSA for later down the line (retirement)? Spouse and I are both 32 and the balance is about 3k in HSA (We’ve been using it in the past).

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Ideally you keep it invested. If you can’t, use the HSA money now. These were meant to be used for current medical expenses, but are used for retirement funding by many that can use it that way. You could keep your receipts from this and pull money tax free many years down the road, if you can afford to pay with other funds now

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Thanks all!!

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