FSAs are pretty manageable if you only put $200ish in there. Mine somehow gets auto deducted for vision costs, so it manages to get used. HSAs are a very good

FSAs are pretty manageable if you only put $200ish in there. Mine somehow gets auto deducted for vision costs, so it manages to get used. HSAs are a very good tax dodge retirement account, so you should figure them out. Except in California they're supposed to be taxed. Except… HSA providers don't give you the forms you'd need to report HSA investment gains, so it is literally impossible to report them.