<prompt> Human: So Im thinking of not finding my HSA account for next year to put that money towards paying off my wifes car loan sooner to get rid of that payment to have one less payment for when we buy a house next year. Im currently putting 100pp and my company adds 68pp. I have 4700 currently in the account, enough to cover my HDHP deductible if need be for next year. This would give me an extra 2600 for next year to pay off the car by the end of the year next year.I currently make 80kyr and think I understand the tax benefits of contributing towards my HSA but am thinking of putting that money towards the car loan to pay it off by end of next year. Would this be wise or should I just keep this money going towards my HSA and go for the tax benefits? My interest rate is 2.49 on the loan and have about 12k to pay off.  <response>: 2.49 is really fairly minimal, this does not seem that worth it on your salary. 