text:  So you're looking at these buckets and starting to go, this is kind of baby step six, seven, eight, right? This isn't usually the first things that you're doing. Well, for some individuals, the Roth IRA may be one of those first things, but you know, the HSAs, the 529s, these are kind of specialized areas. We call those HSAs super Roths because we don't have to pay the taxes on the front end and we can take it out tax free.