Increase HSA or Retirement first?
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.