brought to you by the every dollar app start budgeting for free today does contributing to your

hsa count towards your 15% investing i have built up quite a bit in my hsa and i'm thinking about

investing within it um and how do you know what funds to pick?

I would not use my HSA towards the 15% because your HSA can only be used for medical.

If you use it for anything else, it's taxable and penalized.

And I would, until you're 65, and after you're 65, you can do a withdrawal on it like you can on anything else.

So, you, an HSA is a health savings account that is tax deductible and can be used for medical, okay, and meaning that the

government's paying part of your medical, if you do that. It's tied to a low-cost health insurance

plan because it's a high deductible health insurance plan, and you cover the deductible with the HSA.

It is not an investment vehicle by choice.

You should use investing vehicles in your 15%,

meaning mutual funds in your 401k, Roth IRAs, and those kinds of things.

Having said that, I'll answer the rest of your question. Once you get to baby step

seven and your house is paid off and you're maxing out things left and right, then you can use

your HSA as an investing vehicle, and I have. George W. put the first HSAs in place, and the day

they were put in place, I bought the first one because I love

the concept. Is that how new they are? I didn't realize they were that new. Yeah, that's, well,

it's not that new. That's 20 years ago, but four presidents ago. Yeah. Five presidents ago. Anyway, but

the, so anyway, yeah, for a long time, I've been doing all they would allow me to do in the HSA and knock on wood.

The Ramsey's have been pretty healthy and I haven't had to use it.

And so it has turned into an investment vehicle.

And then when you get to baby step seven, like I have, and I max out 401ks and I max out backdoor Roth IRAs and I max out

...