Reality Radio for a really great future. We're talking real money. Friday Q&A Day returns.

I haven't done one for a couple of weeks because I really wasn't up to it. But I'm slowly recovering from my surgery.

And today I thought we'd do a few questions that you send in at talking realmoney.com. Talking realmoney.com. You send them in at the

contact form. You record them. And then I get them. And I've got a bunch of them. So I'm going to

try and get through as many as I can comfortably, but it may not be

as many as usual. So if you'd like to leave a question, you can call us at 855-935-tall-tok 24-7.

You can also call us live on Saturdays from noon until two Pacific time, 3- 5 Eastern at 855-935 talk.

But as I mentioned, you can also go to talking realmoney.com, click on the contact form and send

your question in there, just like Dr. P does.

Hi, Tom and Don, Dr. P here from from King Approach, a big fan of the program.

I've been leaving a number of questions with you ladies.

I hope you don't mind, but I really respect your opinions.

Oh, by the way, Don, yes, you are correct.

The call from Brooklyn is affiliated with me, and that was a good catch on your part.

We had a good laugh on that one.

My daughter recently changed jobs and asked me if she should contribute to an HSA.

I said yes, but if deferred income is limited, I would focus on 401K contributions as a priority.

Then I did a bit more research and I feel it's half correct, so I wanted to run the scenario by you guys. I found a few

articles stating HSAs are one of the best investment vehicles over IRAs and even 401ks. The recommended

priority for contributions are as follows. Invest in 401k up to the employer match, then invest into HSA up to the max, then back to the 401k,

and when contributions are exhausted, contribute to a Roth. My question is, do you agree with the

priorities mentioned, and that HSA is one of the best investment vehicles. If not, what would you

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