<prompt> Human: Ive maxed out my 401k, Roth, and have a decent emergency fund...now what?Assistant: Do it all again next year?If youre on a HDHP, look at HSA options.Do you have any shortmedium term savings goals you should be socking money away for?If youre still looking for the next step, start investing in a taxable account and investigate tax-efficient fund placement.Human: Sort of a n00b at this, not sure how an HSA can help me.  <response>: An HSA is a Health Savings Account that allows you to make federal income tax-free contributions that can be used tax and penalty free for health care expenses.Thats a nice little perk in and of itself, but the real benefit is that you have investment options with these funds. Your contributions and the earnings are tax and penalty free for medical expenses, and once you turn 65 can be withdrawn for any reason penalty free youll just owe income tax on what you withdraw if not used for medical expenses. At 65 youll probably have medical expenses, so its basically income tax free going in and income tax free coming out. Its a super retirement account.You need to be enrolled in an HDHP High Deductible Health Plan in order to be eligible for an HSA. Many companies offer them, some do not. Your health may also play a factor in whether this arrangement would be beneficial to you. 