 They are good. I mean, the best kind of money in the world is free money. The second best kind of money in the world, folks, is tax-free money. So if you have a high deductible plan, those HSAs really can save you a lot of dough over time. They really can. It really does add up there. And speaking of taxes, number two is exactly that. Be mindful of taxes and how they're going to affect your future. Not just for now, not just in the here and now and today, but look at how taxes could affect your future in your retirement years.