Reading about 30 year old MBA's on linkedin who never knew a time when they didn't own a single family home in the most expensive real estate market in the world, never knew a job search after graduating business school, were millionaires by age 30.  The John Hughes mansions are still out there.  They're just owned by a different generation with a lot more 0's.

After 12 years in the battle of the HSA, free alternatives finally started appearing which offer investment options.  For a long time, HSA's originally were rare things which all had fees & no investment options.  The lion kingdom looked, to be sure.  The HSA presented a dilemma for lions who never had any health problems.

Guys were selling lasik as way for people to utilize their HSA's.  That might have changed with tax reforms.  After years of wondering what to do with the HSA, the answer was not to spend it on anything unless it was absolutely necessary & not to cash it all out.  Although it lost $500 to fees, it might someday break even.  The biggest risk is being in a high expense ratio mutual fund during a protracted bear market.  That would be worse than staying uninvested with a monthly fee.

Unfortunately, the government still doesn't allow contributing to an HSA without also being in a high deductible health plan.  This too will change, but not in time for generation X.  The lion kingdom expects to retire before qualifying for medicare & have to buy health insurance.  Then, it'll probably be allowed to contribute to the HSA.  It didn't make sense when they all had fees, but in the future it will.