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Dave:                                    00:36                     All right folks, we’ll welcome to the Investing for Beginners podcast. This is episode 120 gig tonight. Andrew and I are going to talk about a couple of subjects that we have not talked a lot about or in some cases, not at all. If you are enjoying the show, please subscribe here. So we’re going to talk a little bit about taxes and a couple of tax vehicles that you could use to help save you some money on taxes. One of the vehicles we’re going to talk about is an HSA. And we’re also going to talk a little bit about a Roth IRA. So, Andrew, I know you’ve had some recent experience with an HSA, so why don’t you tell me your thoughts on that, and we could chat a little bit.

Andrew:                              01:09                     Well,
let’s chat less about my experiences with okay. Medical issues and expenses
because that will piss me off. Yep. But you know, an HSA is something that a
lot of people can take advantage of. And even if you think you can’t, I think
maybe you can. So HSA, what is that? And you know, how can it help the average
person? I think when you kind of look at the landscape of, particularly if you
live in the United States and the way that our, the expenses and hospital bills
and doctor bills and surgery bills and how it’s just through the roof and astronomical
and it’s, you know, if you don’t have good insurance and even when you do have
good insurance, a lot of times these, the healthcare system in America is just
the way it’s structured has really made a lot of services. Be expensive.

Andrew:                              02:12                     And
you know, I, I remember reading a stat somewhere a while ago that said, one of
the biggest causes of bankruptcy is medical debt. And it’s also one of the