u/FishingAdventurous93

Hey everyone, I am a 21 year old getting ready to start my first “real” job. I would like to open an HSA as a retirement investment account (defer my reimbursements) ASAP and am wondering if I will be eligible. I am fortunately making enough to max out my Roth and employer 401k match, so I feel like an HSA is the next account to open.

My only issue with this is that I can remain on my parents insurance for the next few years, so I’m not sure if it’s necessary other than as a means of investing my more tax free money. For context, my parents have a high deductible plan and contribute to an HSA themselves. They’re saying I could most likely remain double covered (stay on their insurance as well as my employers) and still contribute to an HSA but this doesn’t make sense to me.

I would have the option to enroll in a high deductible plan through my company at no cost to me, so does it make more sense to just have my parents take me off their plan? I also have a brother on their plan so they’re telling me they’d save no money by taking me off as it’s the same amount since it would remain a family plan.

I honestly don’t understand insurance at all so any help would be greatly appreciated! I am looking to invest the most money I can tax free so just felt like an HSA makes sense.

I took FAR 6/11 and am honestly not positive how to feel about my score. SE scores were 74, 76, 82. I felt solid going in because of the becker bump, but when I finished it almost felt like I had either bombed it or done very good

In testlet 1, I was so stressed out I felt like I couldn't focus super well and would assume I missed some questions I shouldn't have because of that (flagged ~8). Testlet 2 I finally settled in and felt like it went better but I still flagged ~5 questions. I was able to get most of the questions I was unsure of down to 2 answers, but still don't feel as good as I would like to about MCQs.

I also felt like sims went decent, but of course I didn't get a sim on the 3-4 topics I felt most confident in and reviewed the most. Luckily I wasn't completely lost on any of them and know I at least got partial credit, but I know I definitely made some mistakes (I definitely agree with others here about becker sims not comparing much with the actual exam).

If anyone has been in a similar situation, do you feel like it makes more sense to move on and start studying for my next section or do some review of FAR in case I failed?