I am not sure of the need to max out the HSA, when I had one it was use it or loose it per year, so I would normally just put in my medical insurance costs and an approximate of my known expenses so I would not be flushing money.Put the rest in a short term bond fund (Vanguard has a few you get a check book for it and it makes about 3% a year), and save for a few years while you learn about real estate investments. 

Attention Bigger Pockets Landlord Community,I have a tenant in Baton Rouge, LA in a low income subdivision whose daughter (living with her) has been dealing with cancer and was given up on by the medical community and she was sent home to be comfortable as the end of her life is expected soon (but she keeps hanging on).  

Home, food, car payment, medical, utilities, then somewhere in the ranking is your Self storage unit you're renting. 

Unless, of course, they died while ill in a medical facility.

Medical industry controls the economy up here.

Intel is a great example, who is building the largest chip manufacturing plant in the US right here, and it will be a $20 billion dollar investment that brings a few new thousand jobs.https://www.dispatch.com/story/business/2022/01/21/intel-ohio-building-computer-chip-factories-licking-county-jersey-township/9173472002/ Another example of economic growth is the upcoming Ohio State University Wexner Medical Center Inpatient Hospital which is a 1.9million square foot hospital that will bring over 800 new beds and a thousand new jobs. https://abc6onyourside.com/news/local/new-osu-hospital-expected-to-transform-health-careHere are a few more recent investments https://www.10tv.com/article/money/business/hydrogen-power-company-hyperion-bringing-700-jobs-to-columbus/530-25907aab-5517-4661-a9f3-d2ed2d5be6b0 https://news.wosu.org/news/2022-02-08/rumpke-to-build-50-million-recycling-facility-in-columbus Check out The Complete Guide to the Columbus, Ohio Real Estate Market which goes through the Columbus, Ohio market in depth and will give you a better scope of where the highest levels of growth are taking place and where to look to invest.

@natalie Kolodij is the go to real estate cpa.funny enough before I dove into real estate full time I was a dental and medical practice management consultant. 

Years ago, the Petition was a great way to transfer property where the estate had incurred Medi-Cal debt.

Live on 3K a month, but have another 1 to 2 K coming in for safety and even the occasional toy.What about health insurance and medical costs?

Additionally, while there are 10,000 or more engineers coming with Northrop alone, we've observed new commercial building for various aspects of the medical field.https://www.bls.gov/eag/eag.fl.htm  An "Economy at a Glance" link is available at this location for various MSAs. http://www.floridatoday.com/story/news/2017/04/21/brevard-economy-grows-rosier-jobs-and-housing/100738754/From a video at that link: 3000 jobs gained last month, 300 jobs in new call center, housing jumped 11% yoy in March, foreclosed sales fell 52% in same period.