Health Savings Accounts are one of the most underutilized and misunderstood tools in personal finance. They are frequently confused with Flexible Savings Accounts. They are misunderstood as use it or lose it accounts. Health Savings Accounts may sound scary because of the need to pay out of pocket medical expenses until deductibles are met. However, what is often not known or understood is that they can be a powerful wealth-building tax advantaged investment vehicle. This class will provide information about the accounts and discuss how to strategically use HSAs not just for current expenses but also for long-term savings, investing and retirement planning.