Refresh my memory on HSAs and I why I need one

Can be used to invest(typically Vanguard funds).
Can be used for qualified medical expenses now with no penalty.
Tax deductible.
Past, I want to say 59 1/2 or 65, you can withdrawal for any expenses and don’t have to pay tax on the gains. Basically acts like another Roth at this point.

It's a a Roth on steroids. Do it.

Also, it's Pre-FICA, unlike 401k's and traditional IRA's.

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Tax free out (now on healthcare; later on anything)

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I'm pretty sure this is wrong...

It's only tax free out if spent on healthcare through the life of the account. Once you hit a certain age you can withdraw the money without penalty, but if it's not spent on healthcare it's still taxed as income in retirement (like your 401k). It's still good in that contributions and growth weren't taxed, but the triple tax advantage only ever applies if the money is being spent on healthcare. Which you're likely going to have plenty of in retirement.

Someone can correct me if I'm wrong. Wouldn't be the first time.

I believe you are incorrect. At some point, maybe like age 65, you can withdraw any funds tax free for any reason.

ETA: actually, reading the Wikipedia page, you seem to be right... income taxes will always be incurred if not used on medical expenses. I didn’t realize that...

He's right. It's "penalty free" for any expense, but if not used for health expense, is treated as income and is taxed at that rate. So much more like a Roth IRA.

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why I need one

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Contribute funds that are not subject to tax.

Use HSA to purchase beer from CSV.

Profit.

Thanks for all the info, looks like I will be setting one up.