> Consider you need to save a ton of money yourself in government sponsored accounts such as HSA or FSAs for future healthcare expenses that you can't possibly

> Consider you need to save a ton of money yourself in government sponsored accounts such as HSA or FSAs for future healthcare expenses that you can't possibly estimate when you're 20 years old. HSA’s are good investments, but FSAs don’t roll over I believe, so they’re actually quite terrible for 20 year olds Your analysis is a little idealistic though. I wouldn’t feel certain about social security nets 50 years out. I would take the cash any day.