u/GuyWolfManThingy

I started maxing out my HSA this year, mainly to use for actual medical bills since our now two year old had two separate overnight stays in the hospital this year (thanks RSV and bronchitis)

That being said, I am nearing the point that I can actually invest some of this money in my work sponsored Bank of America HSA. I have no clue what to invest in. I would appreciate advise on what to throw my money into for a safe return. Here are my options:

https://preview.redd.it/0l04fzo9v4kh1.png?width=853&format=png&auto=webp&s=7d3fc9a32db92ff18784257e0a151ecc51821a38

https://preview.redd.it/jo1yozyzu4kh1.png?width=883&format=png&auto=webp&s=72a679e30ffc7430867695fbc82c047d69449905

https://preview.redd.it/xr74k1o6v4kh1.png?width=868&format=png&auto=webp&s=a556730a58e32960cf6343e2b34c2407998fccdd

I am in a redraft league and this year I have the #2 pick, which is the earliest I have ever drafted. It is a 10 man league and I am fairly certain the guy picking #1 will draft Jahmyr Gibbs. The leaves with with plenty of options at #2, though I am conflicted on who to go with.

RB: Bijan Robinson is the clear RB choice if I were to go that route, did great last year, but poor QB play could hinder him some, though hopefully not much.

WR: This is where I get conflicted. We are full point PPR league, so the top WR's can easily carry a team. My 1A was Puka, but given the off season shenanigans and reports about potential suspension, my 1B Ja'Marr chase is looking more attractive.

Would it be wise to just go with Bijan at the #2 spot, or get my choice of my top WR. In my opinion it is harder to find a quality starting receiver later in the draft, and could still go for guys like Derrick Henry or Jeremiyah Love when I pick again at spot 19in the snake draft.

Currently I am only investing 10% into my retirement, which is already over the employer match. My goal is to increase it to 15-20%, but unexpected bills have stopped me from pulling the trigger. My daughter is almost 2, but in the last 90 days we have had two separate trips to the hospital for 3 total overnight stays. My HSA is basically empty at this point, and I have only been contributing about half the full amount.

I recently received a raise, so i am debating what to do. Should i increase my HSA for unexpected medical bills (or future pregnancies), or should I increase my retirement contribution first?

For reference, I am male, 28 years old, my retirement is just under a full years salary and I am likely (hopefully) due for a promotion soon. Only bills i have are mortgage and regular electric/gas bills. Between my wife and I we are putting anywhere between $1500 to $3000 into our HYSA each month, but her hours are irregular picking up shifts at the hospital.