Welcome to the Jill on Money Show. It's Saturday, November 11th, and we are here

trying to help you make better financial decisions and we do that by encouraging you to go to our website Jill on money.

Come, Jill on money.com and clicking on the contact us button.

If you complete that form, we get your email, we do email episodes every week, and we also are very happy if you want to join us on the program live, just check that box and Mark does everything else.

Today and tomorrow, we've got a special guest. It's

Joel Dixon he is the global head of Enterprise Advice Methodology at Vanguard.

Wow what a title. He knows a lot of stuff about a lot of stuff. Today we are

talking about health care savings accounts which I think are unbelievable and probably

somewhat underutilized by many of you.

We're talking about Roth options and the perennial excitement of Social Security.

I know this applies to a lot of you if you're interested and you have a follow-up about your own situation, of course, get in touch with us.

Right now, let's get to our interview with Joel Dixon.

Listen, this is the time of year, I want to get right into this where we get about a

bazillion questions and since you are the head of advice methodology at Vanguard I

thought this was a good way to start. Here's the most common question we get during open enrollment. People are like, I got this idea about an HSA, a health savings account. And a lot more people are using high deductible plans that are paired with health

savings accounts and they really like them. It's sort of this extra form of

saving in the future. How would you describe the health savings account how one could

incorporate that not just about paying for health care but about retirement?

It really gets back to the structure of the health savings account,

both in terms of how you contribute,

when you contribute, and what the tax effects are

of contributions and savings through a health savings account.

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