<prompt> Human: I just opened up a HSA account to correspond with my new insurance plan through my employer first time having actual health insurance in my life, booya! and planned for 75 to go to the account each pay period. My employer matches 75 per month, so I thought 225 into that account each month was a good amount to save. We dont have any kind of retirement plans through my employer, but Ive read that investing in a HSA is a good way to start saving for the later years, as long as you do it right.My coworker was appalled that I was contributing so much every month and asked, Do you have some, like, crazy health problems? I explained my rationale and she just looked at me like I was crazy. Were a financial wellness company, so I was a little surprised by her reaction. Should I be saving elsewhere?For reference, Im 22 making 39kyear, husband is 24 making 24kyear. He has about 5k in student loan debt and I owe about 1k on my car. We have additional savings accounts were trying to build up, too. Dont know if that additional info helps or not! Thanks for any insight you can provide.EDIT: Thank you all for your helpful comments! Ill keep contributing and tell my coworker to suck it but not really. ;  <response>: The rationale is solid. Everyone who has an HSA should contribute the max to it.You get a 25 to 28 gain on it instantly, as youre completely skipping any taxes savings on capital gains tax. 