We have Seth to kick us off with his question.

He says, about HSAs, should you keep one to two years of your deductibles not invested

and then invest the rest?

Here's some context.

He's at the beginning of his messy middle.

So he can't cash flow the major medical expenses like birth expenses or surgery that might

come up, etc.

So what do you guys think?

I love this, Seth, because I remember very vividly being in that exact same spot.

When it comes to how much cash to keep inside of your HSA, our general thought is that it

evolves over time.

When you're first starting out your HSA, when you're in the early parts of your financial

journey, when you're building up, I don't think it's crazy to leave enough cash in the

HSA to cover either your deductibles or maybe even your out of pocket max to depend

on how much insurance you had for the exact reason that you said.

If you had to have a major medical issue or if you have childbirth or you have something

else, that cash is there and ready and able for you to be able to go utilizing.

That's what it's there for.

It's there for medical expenses.

In my experience though, so when we started our HSA, we kept enough cash to cover that.

But then as my financial situation evolved and as I continue to build wealth elsewhere

and as my emergency fund got fully funded and a fully funded emergency fund based on the

...