@BillM223 That was very much my thinking as well. The biggest difference between 2024/2025 and previous years is that in the past we always had medical expenses in excess of the max contribution (or at least some catch-up reimbursements).
Good idea to switch custodians too as I will "medicare-ing out" of HSA contributions in about 3 years (its currently my HSA), but my wife has 7 more years.
Thanks!
