<prompt> Human: Financial background:30K student loan debt, on an aggressive repayment plan hopefully 24 months.80K pre-tax salary15K in bank accounts9K in 401KSingle, renting an apartment, no car loan.Super low cost of living.Because of my companys bonus program Im nearly to the legal maximum on my 401K and considering other options. The company will match up to 400 annually on an HSA. Id like to retire early, in my mid 50s at least, and am in the early stages of planning and setting myself up. Ive looked a little at IRAs, but the negligible amount my company is offering to match on an HSA is enticing.Im still on my parents medical insurance and will be until I legally cant beSo the question: to HSA or to IRA?  <response>: If youre still on your parents non-HDHP, I dont think you can have an HSA.Assuming youre eligible to have an HSA, of course do it at least up to the match and more if you can. Start sticking your 15k in bank accounts into a Roth IRA. 