At age 65, some couples may need as much as $413,000 to cover health care costs in retirement, depending on various factors. Your costs will depend on your insurance choices, your health, your prescription drugs and your city.
I think most people use them as they go, which is fine too... But I think there are even more benefits to using the investment account in those [and] letting that money be invested for many years, just like a retirement account.
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