<prompt> Human: Quick question on HSAs, it seems like I need to have a cash balance to pay for medical expenses instead having everything invested. Is this true?If it is true, is there any reason it wouldnt be pretty simple to sell some of my investment to pay for the medical expense.Disclaimer: Im aware of the ability to save receipts and wait until retirement to reimburse myself tax free. Just curious about the process of HSAs in general.  <response>: Many HSAs require a cash balance so you wont have a choice in the matter. Mine requires at least 2000 to be liquid. Seems like a lot, but its really not a big deal if youre looking at it as a long-term retirement account.If yours does NOT require a cash balance, then yes, if you needed to pay for something right away, it would have to be in cash - not invested. So its up to you if you need the tax-free spending right away or if you can deal with saving the receipts and reimbursing yourself later. OR - not reimbursing yourself unless you really need to, and just letting your money grow in there. 