We talked about HSA accounts and why you should have one. If you still need more convincing you can look into my other post “What is an HSA anyways“.
When it comes to investing, automation is your best bet. You should automate your investment so 1) you cannot fiddle with it too much and as a result get a better return, that’s why dead investors often outperform active investors. 2) you want to spend your precious time on family or on yourself, you shouldn’t constantly be on a call with Vanguard or some other bank.
My HSA used to be a mess. Every two weeks I had to log into my account, rebalance, and move my excess money to the investment part of my account. It took me a few months to realize that my bank can automatically take any new deposits from my employer and transfer them to my pre-determined diversified portfolio.
If you have not done this yet, you should stop what you are doing, log into your HSA account and automate investments.
Mark my money 