Brian, I don't know about you, but I think we should give away some tumblers.

I think that's what I want to do right now.

I'm going to answer the questions.

It's Brian Preston, the money guy, restoring order to your financial chaos,

retirement, investing, taxing.

You've got financial questions, he's got financial answers.

It's Brian Preston, the money guy.

Okay, this is a good one. This is from Debers for Life.

My wife's employer in mine are offering an HSA, hell saves account,

but the premium is so much higher than the regular health insurance.

Would it still be a good idea to do the HSA?

Because I know I heard you guys talk about it being triple tax advantaged.

If I have an HSA, should I always no matter what, do the HSA option?

Okay, that last problem.

That's a great question.

The fact that it kind of surprises me, the way that question is structured,

not so sure that the employer is doing it the right way,

because look, to even have a health savings account,

and they are triple tax advantaged,

are super powerful for saving for the future.

There's even opportunity to get some tax-free growth there,

but they first need to go through a filter,

...