HSAs are actually pretty good if you don’t use healthcare. They allow you to invest $4K tax-free per year per person. You can use them for any medical expenses, including condoms, dental care, glasses, nasal spray, tampons, acne medicine, masks, sanitizer, mental health care, in-home caregiver services, and long term care. You are definitely going to use the money eventually, and you can invest it tax-free.

www.goodrx.com/insurance/…/hsa-eligible-expenses

For any people from the UK, “dental care” means a special doctor just for teeth. Yes, that’s a thing.