Hey, everyone. Thanks for joining me this week. My name is Laura Adams. I'm a personal

finance expert who's been hosting the Money Girl podcast since 2008. Before we get started,

if you are enjoying Money Girl, take a moment to submit a rating or a review that really

means a lot to us. So thanks in advance for just taking a moment to do that. I'm also

an author of written several books, including my most recent title, Money, Smart, Solo,

Perneur, a personal finance system for freelancers, entrepreneurs, and side hustlers. If you're

building a business, that is the book for you. Don't miss it. You can grab a copy of the

paperback ebook or audiobook. The mission here is to help you get the knowledge and motivation

to prioritize your finances, build wealth, and have more security and less stress. Every

show is sort of like a mini-training designed to help you get some quick tips to help just

make better financial decisions in your life. Think about different areas of your money

and make some improvements in the areas where it might mean the most for you. So I'd love

for you to subscribe and also participate. You can send me money questions or comments.

One ways to email me using my contact page at LaraDatoms.com. You might connect on Instagram

at LaraDatoms and leave a message 24-7 on our voicemail line at 302-364-0308. All right,

let's get on to today's show, which is number 730, called 3 Smart Strategies for Using

a Health Savings Account. I've had a health savings account or HSA for as long as I can

remember, because they offer so many tax benefits and extra flexibility in retirement, it

might be my favorite tax-advantaged account. A common question I hear is whether you should

actually spend your HSA funds or just keep them invested and growing. So in this podcast,

I'm going to review the HSA benefits and discuss whether it's better to spend your balance

on qualified medical expenses or keep it invested for the long term. First, let's go over

...