Susan (62) and Jeff (66) : Jeff is retired but Susan, 4 years younger, planned on working to age 66 to add to their nest egg and to qualify for a solid pension.
One of the attractive features of an HSA is that the balance need not be used for medical expenses each year, but can be left to accumulate and add to your retirement nest egg.
As they get older they branch out, and foodies are on the lookout for the places that add a twist to old flavours, like making a particularly crispy oyster omelette (an egg omelette with tender fresh oysters) or using eel balls instead of fish balls in their wonton mee (noodle and wonton soup).