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Were you a developer for a finance company once upon a time?
No, I just wanted to not be poor.
I didn't quite understand what you meant by HSAs should be allocated first and liquidated last.
That was a convoluted way of me saying that they are tax advantaged and you want to keep them. Maybe "liquidated last" is wrong but that's kind of the way my brain thinks about it - ie you want to maximize the money you keep in there.