Healthcare Saving and Flexible Spending accounts can be annoying and confusing. But, they might save you enough money to be worth the bother. (Note: we leave a question unanswered in the podcast. Probably, if you don't use up your HSA during your lifetime, your heirs will pay income tax on it. So, either a) spend it all or b) don't die. And remember, don't take financial advice from amateurs on a podcast)