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HSA if she can get one. You can take the money out anytime you want.
Anyone can buy his own HSA; just go to Fidelity.com and buy it.
but I think you have to be on a high-deductible health plan (HDHP) in the years you donate to it,
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Gold holds value but no return.
Berkshire may be good investment
Amazon n microsoft keeps monopolizing so they will do well