Am I dumb to invest only in 401k and not HSA or IRA?

Am I dumb to invest only in 401k and not HSA or IRA? Hi all, Please forgive the ignorant post as I have only somewhat recently begun looking into finances deeply. Long story short - my wife and I are debt free, in our early and mid 30s, both have been for years contributing 15% to our 401Ks (not including company match) which is just about hitting the 401k yearly contribution limit for each of us....

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