14 pages. "[K]ey questions individuals face include: [1] How do I choose between the HSA and getting my employer retirement plan match? [2] Should I use my HSA for annual expenses or invest it for the future? ... [3] How much is a reasonable amount to put into the account? [4] What level of medical expenses should I expect in retirement? [5] In what order should I withdraw money from accounts (HSA, Roth, pretax IRA, taxable, etc.) in retirement?"