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#11
Oct 22 2025 02:05pm
Time to stop ai bot posting.
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#12
Oct 22 2025 02:24pm
open enrollment soon

time to re-up on d2jsp posting insurance
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#13
Oct 22 2025 02:30pm
Quote (penguinhero @ Oct 22 2025 03:24pm)
open enrollment soon

time to re-up on d2jsp posting insurance


You must take advantage of your companies HSA?
One thing I never really did, but I should.
I just don't think I hospital enough

This post was edited by lolkggz on Oct 22 2025 02:30pm
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#14
Oct 22 2025 02:43pm
Quote (lolkggz @ Oct 22 2025 04:30pm)
You must take advantage of your companies HSA?
One thing I never really did, but I should.
I just don't think I hospital enough


absolutely

its a nice safety
net
to have. its not the highest line item in the list of financial priorities, but its a good tax deduction to consider if its available to you and you have the means

we all get old and unexpected health issues come up

or you could always neglect your medical bills, a bulletproof, kevlar-like strategy employed by some posters around these parts
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#15
Oct 22 2025 02:46pm
Quote (penguinhero @ Oct 22 2025 03:43pm)
absolutely

its a nice safety ^net to have. its not the highest line item in the list of financial priorities, but its a good tax deduction to consider if its available to you and you have the means

we all get old and unexpected health issues come up

or you could always neglect your medical bills, a bulletproof, kevlar-like strategy employed by some posters around these parts


20% tax withdrawal on non medical until 65.
HSA's grow interest off of mutual funds or w/e right?
Just another container eh?

I've always just paid the co-pay of 25 bucks and coughed for em.

Fuck,
401k
Roth
HSA
HYSA
Personal investing.

So many cookie jars in life.

This post was edited by lolkggz on Oct 22 2025 02:48pm
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#16
Oct 22 2025 02:50pm
Quote (lolkggz @ Oct 22 2025 04:46pm)
20% tax withdrawal on non medical until 65.
HSA's grow interest off of mutual funds or w/e right?
Just another container eh?

I've always just paid the co-pay of 25 bucks and coughed for em.


yes you can invest your hsa funds if youd like. investment choices might vary based on the broker/who holds the hsa

money goes in pre tax in, grows pre tax (if invested), pay for medical straight from it

triple whammy

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#17
Oct 22 2025 02:57pm
Quote (lolkggz @ Oct 22 2025 04:46pm)
Fuck,
401k
Roth
HSA
HYSA
Personal investing.

So many cookie jars in life.


yes finance is personal

add paying down debts into all that

and if you have a family/dependents, factoring that in too

can see how an hsa might seem like a complete luxury. putting money away for tomorrows potential health issues falls pretty low in priority for most. when a lot are paycheck to paycheck

a lot arent even funding retirement. crazy

This post was edited by penguinhero on Oct 22 2025 03:00pm
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#18
Oct 22 2025 03:06pm
Quote (penguinhero @ Oct 22 2025 03:57pm)
yes finance is personal

add paying down debts into all that

and if you have a family/dependents, factoring that in too

can see how an hsa might seem like a complete luxury. putting money away for tomorrows potential health issues falls pretty low in priority for most. when a lot are paycheck to paycheck

a lot arent even funding retirement. crazy


Maybe with my next raise we HSA, I'll have to think on it.
I just started being able to max my IRA every year and not really worry about it.
NOW I HAVE TO FILL ANOTHER CONTAINER.
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#19
Oct 22 2025 03:06pm
Quote (penguinhero @ Oct 22 2025 01:43pm)
absolutely

its a nice safety ^net to have. its not the highest line item in the list of financial priorities, but its a good tax deduction to consider if its available to you and you have the means

we all get old and unexpected health issues come up

or you could always neglect your medical bills, a bulletproof, kevlar-like strategy employed by some posters around these parts


Only a ridiculous ambulance bill. I've paid everything else off.

And it was super "handy" (sorry) to have my insurance when I hurt my hand. Would be cheaper to have paid that out of pocket vs the many months/years I've paid for insurance without using it, but you never know when something big might suddenly happen. If you can afford it, get it.
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#20
Oct 22 2025 04:59pm
Quote (KevlarKondom @ Oct 23 2025 06:06am)
And it was super "handy" (sorry)


Apology accepted XD
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