Please, while you are working, contribute 100% to the HSA. You take it with you, when you're cut and you can invest it, without fees. Fidelity is one but I'm sure there are others. Spend the HRA first and make over 10% in QQQ and VOO with your future money with completely tax free gains.
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You’ll need the money to spend on therapy with the bad actors at this company. Save what you can so even when you don’t work here you can recover from the trauma of having your “leadership” team follow you into the bathroom to watch you p-e repeatedly for not dating in the office. Sadistic fu----s.
This is excellent advice. Back in 2018, one of my co-workers explained the tax benefits of contributing to an HSA, and I began contributing the max immediately. I'm so glad I did, because I was relatively healthy and used very little of it. I had a nice chunk to take with me when Ford sc--wed me and let me go last year. On the advice of another former Ford person, I moved my HSA from Alight to Fidelity, and I'm so glad I did. My account has grown nicely with no additional contributions, and I now have a nice buffer to cover healthcare expenses. Be wise and plan for the future like this.