Saving for retirement is something that's been on my radar for a long time -- and it's not just because I write about the topic often (though that helps).

I'm fully aware that Social Security may be forced to start cutting benefits well before I reach retirement age. And that means I could end up getting a lot less money out of the program than I'd normally be entitled to.

That's why I make a point to try to max out my retirement savings. And this year, I'm excited to max out an account I didn't always have access to: a health savings account (HSA).

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Source Fool.com