Opher Ganel
Oct 17, 2024

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Exactly! One thing I'd add, use an HSA that lets you invest in equity funds, so you get long-term growth rather than a paltry interest payment.

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Opher Ganel
Opher Ganel

Written by Opher Ganel

Consultant | systems engineer | physicist | writer | avid reader | amateur photographer. I write about personal finance from an often contrarian point of view.

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