Jackie Koski retired from corporate America with a six-figure health savings account — on a salary that never topped six figures. She also grew up in poverty in the deep South, raised a daughter as a single mom, and wrote a book called "Money Letters to My Daughter" to pass on everything she learned the hard way. Jackie is a financial literacy advocate who proves that financial independence isn't about how much you make, but what you do with what you have. [00:01:36] Introduction to Jackie's Story: Jackie's background as a single mother who overcame poverty and financial struggles. [00:03:40] The Impact of Her Father: How her father's work ethic and life lessons influenced her financial path. [00:11:43] Sharing Financial Wisdom through "Money Letters": The inspiration behind her book and its purpose in educating her daughter and others. [00:17:28] Jackie's Financial Literacy Journey: Key moments that shaped her view on finances, especially during and after her divorce. [00:28:47] The Importance of HSAs: The benefits of health savings accounts in achieving financial independence. [00:31:10] Key Components of a Solid Financial Strategy: Practices such as diligent saving and investing for future financial stability. [00:45:17] Jackie's FIRE Letter: Her reflections on transitioning to financial independence. Resources: Money Letters to My Daughter: https://moneyletters2.com [00:12:46] EconoMe Conference: https://economyconference.com [01:02:22] Action Items: Start an HSA if eligible and contribute the maximum amount to take advantage of tax benefits. [00:29:47] Create and share personal financial letters or guidance with family to pass on financial wisdom. [00:12:01] Related Episode: ChooseFI Episode 013: Setting Up a Health Savings Account [00:40:20]