<prompt> Human: Im new to the workforce - graduated about 2 months ago, and have been working full time for almost two months now. Ive got full benefits and all that, HSA with employer contribution of 600y and Im going to max it out this year with the intentions of getting braces in the next year or so.Since you can reimburse yourself at any time from your HSA - would it be a bad idea to consider that a chunk of my emergency fund if I have receipts against it to withdraw ie pay for braces out of pocket? I do also have about 5k in cash, but granted thats just under 2 months expenses.TL;DR: HSA with receipts to reimburse good or bad idea to consider a portion of E-Fund? Or just until I save up more.. and pay down some debts now?  <response>: I would not. The great thing about an HSA is that it has tax free contributions, growth, and withdrawal for medical payments. It is a great place to invest in stocks and let it grow over 30 years. You are going to need medical care later in life and you should take advantage of the tax benefits. Because you are invested in stocks to grow the account it does not make for an ideal emergency fund volatility of the account balance and time to convert to cash . If you are on the verge of financial collapse it would make sense to get the money but it should not be withdrawn just because your car broke down. 