Good article, Noelle. On a side note, if one finds themselves stuck in a high deductible health plan, please check out if you qualify for a Health Savings Account (HSA). It acts like an IRA yet even more tax advantaged. Unlike an FSA it is investable and doesn't expire. It can be a real nest egg for inevitable health expenses as you get older or emergency health needs.

I think I follow you here and on Simily, BTW. Best.