All right.

Next up is a basic bedazzlers question.

Yeah, I like that.

I like y'all's names.

You know, take something we've shared and kind of jazz it up a little bit.

Bedazzle it would say.

He says, I'm getting a high deductible health plan at 25.

Work contributes $3,000 at the start of the year,

but the HSA provider has high fees,

limited funds, and about 0% in cash.

Can I open a Fidelity HSA,

roll over the amount, and contribute there instead?

Potentially. So we see this all the time. A lot of times with employers, there will be a, there

will be a specific provider that sponsors the HSA program. So if you participate in the health

plan and you opt for the high deductible and you get access to the HSA, the employers say, we're going to put money in your HSA and we're going to put

in $3,000 if you select this plan. Some plans say, hey, you have to leave the money there unless

you use it. You can't roll it over. Some plans are not captive like that. Some plans, once your employer puts it in, you can then roll that money to a provider like a fidelity.

And if 3,000 isn't the max, you can begin contributing up to the max in that outside HSA.

Even if the plan doesn't let you move the 3,000 over, there's nothing wrong with having multiple HSA accounts. We have a lot of

clients who do this. They'll have one at the company with the providers, they get the employer

money, and they have another that they fund. The one caveat I would say is if you're funding it

with after-tax dollars, like from your checking account, you may be missing out on some payroll

...