Reality speaks - 4/6/2024 19:40

Be careful in how much gets into regular IRA's and 401K plans at work. Not sure how old you are but Roth IRA and Roth 401K plans are superior choices. The tax advantage of the ROTH accounts can not be overcome by the tax savings of a regular IRA or 401k. HSA are a good choice if you have qualifying high deductible health insurance.