<prompt> Human: Due to the fact that pretty much all HSA custodians charge some monthly fee for HSA investing, it seems that for small amounts, the total fees custodian fees expense ratio fee from fund add up to a significant percentage.I think it would still grow compared to keeping it as cash, but damn I cant get over the high fees. Maybe its just better to keep that in riskless cash in case of an unexpected medical expense.Thoughts on this matter?  <response>: Youll get differences of opinion here on small increments. Theres probably an analysis that shows that you can make 70 statistically at a cost of only 48, or whatever.My thought is that you get where you are going on your personal finance journey by making the right decision on high-impact courses of action that result in a significant income increase or expense reduction, not so much things with a dollar or two per month bottom-line impact. While this is not completely in your control, if you were able to max your HSA contribution annually for a decade, then the decision to invest would much more significant. At 1000, it arguably doesnt matter very much. 