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.

All right, Brian, here's a question.

This one is near and dear.

I'm hoping you have a story to tell because I've got some stories to tell on this.

And this is from Jacob.

Jacob says, I'm 24 and I need to have surgery.

I save 25% plus and I have money in my HSA and my emergency fund.

Should I use part of my HSA to pay for this or use my emergency fund?

I think a lot of financial mutants approach this problem.

You know, well, first, Brian, let me set you to the table for you.

Why don't you explain really quick, very quickly, super, super quick.

What is an HSA and what are kind of the three ways that people use them?

And then talk about with financial mutants, often times, who run this problem, do we think,

okay, well, that money is sacred.

I can't ever touch it.

But sometimes it might make sense to use that for medical expenses as their incurred.

Can you run through those things?

Well, I even had, and look, it depends upon how elective this surgery is.

If it's obviously something that you don't get to be a decider of time, we'll get into

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