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>> The first year or so the numbers were different (think we were limited to $3600) but now we have over $10,000 in that account and it's earning 3%. <<

Just curious: Do you have several investment options with this plan, or are you locked into earning 3%?

At first I'd probably be conservative, too, but if we stayed healthy and the account grew to well above our annual out-of-pocket maximums, I'd probably start becoming at least a bit more growth-oriented in the account.

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