<prompt> Human: Based on that image. Where would an HSA fit in? I am 22, working towards getting married and starting a family. Why would I not place my HSA after debt and before my Roth?I can shell 3300 into it this year and even more next year, let it grow tax deferred, and know that when we have medical expenses, I will have plenty of pretax money to use since I will max it out every year. And if I dont use it all, I can withdraw it after 65 and it is taxed at regular income tax levels.The way I see it, the HSA has all the benefits of a traditional IRA minus the fact that the IRA most likely has better funds to invest in but the HSA allows me to pay for all medical expenses with pre-tax dollars. I know there are some special withdrawl benefits of an IRA but those are not as important as medical expenses.UPDATE: HSA after high interest debt and before an IRA. Assistant: Based on that image. Where would an HSA fit in? You have it right: between high-interest debt and low-interest debt or Roth IRA. Unlike an IRA or 401k, HSAs are tax-free at both ends - you fund them with pre-tax dollars avoiding even payroll taxes if you fund them with a payroll deduction!, dont pay any taxes when you withdraw them if theyre used for health-related expenses which we all have plenty of eventually, and investments in an HSA grow tax-free. Thats why theyre often described as triple tax-advantaged. Anything you dont use for health expenses becomes a regular IRA after 65, although even then Id suggest saving it for health expenses. So: emergency fund, then get any company match, then pay off high-interest debt 4, then max your HSA every year before doing anything else! If youre not already maxing all of your tax-advantaged accounts IRA, 401k, etc, I would reimburse yourself from the HSA for any qualified expenses as you go. Once you are, its probably better to just let it grow and hold onto receipts for reimbursement down the line. Some would argue that maintaining the receipts is an unnecessary hassle, since youll have plenty of medical expenses later.Human: Thatt the confirmation I was shooting for. I am also happy my question did not merit an autobot response.I have a follow up question for you as well.I am going to get slaughtered in taxes this year. I will most likely owe USA a few thousand according to my seasoned co-workers.I have no student or mortgage debt to write off and I earn a decent amount of money for 22 70k: salary, investments, etcI need to find a way like my HSA to help me make sure I dont owe more than a few hundred dollars at the end of the year. I dont want to itemize so I am looking for tax credits i am still woozy on credits vs deductions. Can you shed some light on the topic?Assistant: Well, you could change your W4 at work to ask for more withholding to occur through the end of the year. That would mean less of a tax due at tax time.But is what you are asking how to have less liability overall? After youve already maxed out 401k, HSA, and IRA?Do you have a self employment opportunity that would include legitimate business expense deductions?Human: What do I have to change on it? Its not illegal to have them withhold more is it?I want them to withhold a lot so that way my monthly budget decreases promoting frugality and allowing me to get a lump sum of cash hopefully that I can throw directly into an IRA or MM.  <response>: Honest it would be better for you to at this point just take an additional 10 of your income and put it in a low interest savings account. There is no reason to give the government a free loan if you dont have to. Dont think of taxes as a 0 interest savings account, think of it literally like a 0 interest loan. 