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This is the retirement and IRA show coming to you from beautiful Northern Colorado.

Join us as certified financial planner Jim Sondier, as well as Colorado State University Finance Instructor and Certified Financial

Planner Chris Stein teach you about IRAs, borough in case, annuities, Social Security,

pension plans, and estate planning in a fun and enjoyable show.

Whether you are listening live in Colorado or streaming from their website or iTunes podcast,

Jim and Chris want you to know that

they're available to help you plan for your retirement. Just visit their website at Jimhelps.com.

That's Jim H-E-L-P-S dot com and click the Meet the Team button on the homepage. Now here's Jim

and Chris with today's show. Well, hello and welcome to the

Retirement and IRA show, the EDU edition for this week. Have a show that I've been looking

forward to for a while when I heard we were going to get this special guest on. So we've got a, we'll call it a special topic today that we're

going to get into shortly. Before I bring Jim on and our special guest, I do want to make

mention in the last Q&A show. We covered a question that had to do with HSAs, health

savings accounts, and high deductible health plans.

And I'm not going to rehash the whole question, but the way we read through that question

and answered it kind of left open an issue that a lot of people emailed us about.

We didn't really directly address that you do not have to be currently enrolled in a high deductible health plan to use the proceeds from your HSA to cover qualified medical expenses.

The things that are barred, which is I think where the email, what I personally perceived as part of the question was you cannot use expenses that you incurred or

...