Everything we wish we knew Five years ago! If I could grab every young professional and shake them I would. No one ever sat down with us and told us these things, giving us a very late start to the game. I hope everyone takes the twenty minutes and figures out why Maxing out your IRA, HSA are so important early on in life. We would be thousands and thousands of dollars ahead if we would of known these things in our early 20s. Take advantage of this and take action now!