[boring_twenties]

Are you sure you're not confusing HSA with FSA?

The latter should absolutely be avoided, but an HSA is basically just another tax-advantaged retirement account along the lines of an IRA.

[filoleg]

I am not confusing HSA and FSA, but my wording was likely confusing.

When I said "i don't personally touch it", I didn't mean that I avoid it. I just know that it is a part of my benefit package, i get contributions in there, but that's about it. I don't even look at it or interact with it in any way otherwise, because I am not planning to use it until much later in life.

[dlgeek]

You should at least transition it into something appreciating. By default, you make basically no interest, but you can transfer it into investments.

[boring_twenties]

Ah yes, sounds like you're doing it right, my apologies :)