<prompt> Human: Currently, the HSA contribution is recommended after contributing at least 1537; of your gross income for retirement, but before maxing out other tax-advantaged retirement saving avenues like Roth IRA and 401ks. Heres why I think it should be moved after or at least given a caveat:So, generally people will recommend HSAs if youre young and healthy thus, relatively low healthcare costs and your company will contribute to it. Im lucky that both of these are the case for me, so when I saw my new employer had a HDHP that costs nothing on my end along with an HSA that theyd contribute 750 a year, I was excited.I know HSAs are great because its another avenue for tax-advantaged retirement savings. Basically, if I choose to I can pay out of pocket for expenses and save the receipts then withdraw that money when I retire without ever being taxed. Or, if I just use the HSA to pay for my medical expenses, then that money is essentially just a pre-tax retirement account. So I understand the benefits here, but because of the details Ill list below, I think its only beneficial if someone is already maxing out other retirement avenues like IRAs and 401ks, has high medical costs, or has poor investment options in their 401k plans.1. You cant invest the money until you have 2,000 saved. Okay, thats fine, Ill just save up and I should have it by the end of the year, then Ill start investing.2. They charge a monthly maintenance fee of 2.75 if your account balance is less than 3000. Thats... annoying. But whatever, Ill have that amount within a year so its really only like 30. 1. But wait... that fee? Yeah, it doesnt include investments. Thats just 3000 you should have sitting in the HSA savings account 2. Oh and that savings account? Yeah, it gets .0537; interest. 3. So you need to have 3000 at all time in the HSA, in addition to the 2000 you need to start investing.3. The cherry on top? Well, once you start investing they will charge a monthly maintenance fee of .0337; on your daily average balance for your investment account. This is ON TOP of the fees that you are already paying for the fund or funds themselves Vanguard is around .0437;, for their lowest cost index fund offered. 1. So youre paying more to invest in funds that you couldve just invested in your 401k plan or IRA.I understand that HSAs are great because if you have high healthcare costs, this is pre-tax money that you can use to pay for expenses. However, typically if someone has high healthcare costs, they should opt for a health plan that is not a HDHP if possible.I also understand that this is pre-tax money, and there is free money coming from the employer sometimes. However, if a person is choosing to contribute pre-tax money and they are following the flowchart, they would do 1537; to their 401k and then max out the HSA before moving back to the 401k. I feel like they should make the decision based on the investment opportunities in their 401k plan likely better than the HSA, when considering the fees and hurdles.I am not sure if these fees are standard amongst all HSA carriers, however, I know Optum Bank is one of the largest HSA providers for employers.I also realize that for some high-net-worth individuals, having 3k in a low-interest savings account and paying .0337; additional fees is not a big issue for them. However, for individuals with lower net worth those young healthy people that HSAs are often suggested to, this is often a larger percentage of their total savings. The impact of these fees and interest is larger, on an income-based level.I am not about to cancel my HSA, but I am definitely going to divert my funds to max my 401k before maxing my HSA.Some questions for the road:What are your thoughts? Do you think I am missing anything? Do you think I am discounting the importance of having funds allocated specifically for medical usage? What has been your personal experience with HSAs?  <response>: Point taken but thats like saying 401k should be moved further down the list because some only crappy investment options.Lively HSAs have zero cash drag and a flat 30year fee for the ability to invest in a money market or SPDR ETFs. 