Sign up for Robinhood using my link above, transfer funds, show proof, and (as long as I verify you did so by me receiving the free partial shares) I will gift you some crypto in February via Robinhood (we will both end up receiving free incremental shares of a stock also). No purchase required and this is not a solicitation for other services or any other entities.
The streets don't provide an HSA. Pretty sure Arby's don't either. If you make it past your 20s time to start thinking longevity. If you have children and you die young, at least you can attempt to build some type of generational rise up that the baby momma can't blow through....