@FitFounder Wear sunscreen on your face every day. Extra credit for Vitamin C, AHA, BHA, and Retinol at night, but sunscreen every day before you leave the house is 90% of the effect.
I started that habit in 2016. Last night, a group of 20-somethings guessed I was 27. I am 41.
@CareyZivkovich@Budgetdog_ The riskiest years are the early ones. The good news is if you have a healthy year or two, you don't spend what you put in, and your investments do well, you'll eventually have more in the HSA than you can possibly spend in a year.