<prompt> Human: My employer contributes 19 of my contribution on 401k and 30 of my contribution on hsa I even heard that hsa is also a somewhat savings for retirement, In the last past 6 months my 401k is at -1 investments Seems I shouldnt contribute to 401k at all and max my hsaAny thoughts ?  <response>: Any thoughts ?You need to read up on both. A LOT more. 