text:  benefits there so i would start there i'd fund that completely and usually if you were in a traditional but you had the match i'd tell you only to fund it up to the match and then move to the roth iras but in this case since the 401k itself it also has the roth treatment i'd say fully fund it and then after that you can move to the iras and so you'd be able to fund uh most of that and then later on if your income goes up after that i would start with the hsa and i would do it in that order