PPO, HMO, HSA, FSA… WTF? Understanding Employee Benefits with HR Pro Veronica Barnas | E075Open enrollment season is here — but don’t just click “same as last year.” This week on The Extreme Personal Finance Show, Chris sits down with HR powerhouse Veronica Barnas, a 20-year Human Resources veteran specializing in employee benefits.They break down the alphabet soup of benefits — PPOs, HSAs, FSAs, and HMOs — in plain English and with a few laughs. Veronica explains how to stop leaving free money on the table, how to actually build wealth through your benefits, and why your 401(k), HSA, and disability coverage might be more powerful than you think.From the triple-tax advantage of an HSA to secret perks like tuition reimbursement, employee stock programs, and even pet insurance, this episode helps you take control of your financial health the same way you take care of your physical one.In This Episode You’ll Learn:• Why “same as last year” could cost you thousands• The real difference between a PPO, HMO, and high-deductible health plan• How to use your HSA as a stealth retirement account• Why disability insurance is one of the most underrated safety nets• How to spot free money in your benefits package• Overlooked perks like tuition reimbursement, stock purchase programs, and gym reimbursements• How to make open enrollment season work for your wallet, not against itWhether you’re new to the workforce or a seasoned pro, this episode will help you understand your benefits like a boss and maximize every dollar your employer offers.Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyConnect with Veronicahttps://www.linkedin.com/in/veronica-barnas-28ba7723/