Today I Learned...

[Spuds]

Originally Posted by Dadhawk

Yea, we had the plan for quite some time, so I hated losing it. We had two different HSAs, one with her contributions, and one with mine. We used hers for actual medical expenses and mine is in an investment account with Fidelity we'll use in retirement.

I wish I could have started it in my 20's! Mine is in the low five figures, but it would have had at least another zero on it if I had started then.

Yeah, HSA was a new option the first year I started working. The problem early on for me was making the choice between saving for a car/house/etc, maxing HSA contributions, maxing 401k matching from my employer, or general quality of life. I didn't maximize my HSA contributions until after I spent most of what I had on imaging, ER, and such one year.

[NoHaveMSG]

Originally Posted by Dadhawk

Yea, we had the plan for quite some time, so I hated losing it. We had two different HSAs, one with her contributions, and one with mine. We used hers for actual medical expenses and mine is in an investment account with Fidelity we'll use in retirement.

I wish I could have started it in my 20's! Mine is in the low five figures, but it would have had at least another zero on it if I had started then.

Basically what I am planning to do with mine. In 10 years I think I have spent 2k out of it. We used to only have HSA plan which is great for people like me. Now we have multiple plans including a PPO which is better for families, but a lot of our employees won't go to it because they think they are missing out on the employer HSA contribution so they are not coming out ahead when it's the other way around.

[Greg Erskine]

On my MY23 BRZ, leaves are going through the grill and getting trapped at the bottom of the radiator. Lucky, I have skinny arms and can squeeze through the grill to get them out.

Am I missing an easier way to retrieve them?

I looked at a GR86 yesterday and the finer grill may prevent this from happening but if leaves got through, they would be harder to extract.

[MyHybridBurnsGasAndTires]

Originally Posted by Greg Erskine

On my MY23 BRZ, leaves are going through the grill and getting trapped at the bottom of the radiator. Lucky, I have skinny arms and can squeeze through the grill to get them out.

Am I missing an easier way to retrieve them?

I looked at a GR86 yesterday and the finer grill may prevent this from happening but if leaves got through, they would be harder to extract.

maybe one of these type of grabber tools? they're so cheap and useful

https://www.harborfreight.com/24-inc...ool-94162.html

i have a couple of them but this one has a magnet which makes it even more useful

[Captain Snooze]

Originally Posted by Greg Erskine

On my MY23 BRZ, leaves are going through the grill and getting trapped at the bottom of the radiator. Lucky, I have skinny arms and can squeeze through the grill to get them out.

Am I missing an easier way to retrieve them?

I looked at a GR86 yesterday and the finer grill may prevent this from happening but if leaves got through, they would be harder to extract.

A little bit of petrol and a match.

[NoHaveMSG]

Originally Posted by Greg Erskine

On my MY23 BRZ, leaves are going through the grill and getting trapped at the bottom of the radiator. Lucky, I have skinny arms and can squeeze through the grill to get them out.

Am I missing an easier way to retrieve them?

I looked at a GR86 yesterday and the finer grill may prevent this from happening but if leaves got through, they would be harder to extract.

Totaled

[86-75309]

Originally Posted by NoHaveMSG

Basically what I am planning to do with mine. In 10 years I think I have spent 2k out of it. We used to only have HSA plan which is great for people like me. Now we have multiple plans including a PPO which is better for families, but a lot of our employees won't go to it because they think they are missing out on the employer HSA contribution so they are not coming out ahead when it's the other way around.

This year was my first on an HSA plan. I typically only have PCP visits a couple of times a year to get my statin prescription renewed, so I went with the cheapest plan my employer offered. Then BAM! Major medical expenses this year drained what little I had in the HSA. Then it was all on me past the $2500 deductible all the way to the $4500 annual out-of-pocket limit. Everything after that has been covered, thankfully. I really don't know what my total bill for the year is so far, but it has to be in the six figures. I sure hope next year allows me to get some money into that account and keep it there for a while.

[NoHaveMSG]

Originally Posted by 86-75309

This year was my first on an HSA plan. I typically only have PCP visits a couple of times a year to get my statin prescription renewed, so I went with the cheapest plan my employer offered. Then BAM! Major medical expenses this year drained what little I had in the HSA. Then it was all on me past the $2500 deductible all the way to the $4500 annual out-of-pocket limit. Everything after that has been covered, thankfully. I really don't know what my total bill for the year is so far, but it has to be in the six figures. I sure hope next year allows me to get some money into that account and keep it there for a while.

Wishing you better health in the future. Medical anything is no fun.

[soundman98]

yeah, i had a decent amount in my hsa, and then a root canal went bad...

i've always liked the hsa just because it allows me to put money directly where i use it instead of paying off other peoples expenses!

one coworker complains all the time that the company has an hsa plan instead of something including dental and vision. but of course any plan with dental/vision coverage would be more than $500/yr/person. but out of pocket with the hsa, it's less than $250 for the appointments.

[cjd]

I think my dental plan is a net loss. Mostly because only a few places are "in network" and they're... not places I want to go. I guess being in network is how you get people through the door to practice.
In other news... I'm not young any more. 3 days crawling behind walls and in weird tiny corners practicing my contortions and running conduit and wires and all sorts of other home maintenance chores and I'm in pain. So very much looking forward to the potential heavy frozen water I have to clear to demonstrate even more ways in which I'm not young. Getting old sucks. Mostly.

[humfrz]

Originally Posted by cjd

I think my dental plan is a net loss. Mostly because only a few places are "in network" and they're... not places I want to go. I guess being in network is how you get people through the door to practice.
In other news... I'm not young any more. 3 days crawling behind walls and in weird tiny corners practicing my contortions and running conduit and wires and all sorts of other home maintenance chores and I'm in pain. So very much looking forward to the potential heavy frozen water I have to clear to demonstrate even more ways in which I'm not young. Getting old sucks. Mostly.

* welp, you get what you pay for -

* projects like that are what my son-in-law is for -

* snow removal - granddaughters work

Well, you know what they say about getting old ............(I forgot)

[Spuds]

PSA: Spammers are now inserting links in quotes.

[cjd]

Originally Posted by humfrz

* welp, you get what you pay for -

* projects like that are what my son-in-law is for -

* snow removal - granddaughters work

Well, you know what they say about getting old ............(I forgot)

never been called 'welp' before. ha. But I definitely did not pay for this pain. Or is that something you pay to NOT get? So I'm already confused.
I'd have to have been lucky enough to have kids to get to having in-laws or grandkids, so that's out. Still time I suppose... but other things would have to change so that seems quite unlikely.
As long as you remember the stories, where you're headed at the moment, and what you like to eat... I think you're doing just fine.

[humfrz]

Originally Posted by cjd

never been called 'welp' before. ha. But I definitely did not pay for this pain. Or is that something you pay to NOT get? So I'm already confused.
I'd have to have been lucky enough to have kids to get to having in-laws or grandkids, so that's out. Still time I suppose... but other things would have to change so that seems quite unlikely.
As long as you remember the stories, where you're headed at the moment, and what you like to eat... I think you're doing just fine.

........AND, WHY you are headed there - that is very important -