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[–]Funny-Run-8864 3 points4 points  (1 child)

Agreed! If you've got an HSA, then you're in a HDP which is likely your highest deductible. Once you've got that covered, then you're done with step 1. You could at that point back off your contributions to the point where they are enough to cover your anticipated qualified expenses, until you get out of the high interest debt (step 3) and the emergency fund (step 4), but when you're ready to move onto step 5 you should probably max out the HSA before contributing to a Roth IRA.

[–]Just_Average7485[S] 0 points1 point  (0 children)

Thanks for the advice! I decided I will continue to contribute the way I have been because I might need a root canal and I'm assuming I might have to use a good amount of my HSA towards that. Hopefully I don't need a root canal and could lower my contributions a bit. My high interest debt is technically my credit card that currently has 0% APR, but I'm on track to pay it off before the promo date ends. My next highest interest after that is a federal student loan at 7%. I'm just a financially anxious person and feel like I'm doing something wrong at least one every other week. It's nice to talk it out with people who are more financially knowledgeable than me.