aireadylife-benefits-flow-check-hsa-balancelisted

## What It Does Called by `aireadylife-benefits-op-hsa-review` to produce the core HSA analysis data. Reads all HSA account data from `vault/benefits/00_current/` and performs all calculations needed for the monthly HSA review. Returns structured data to the calling op for brief writing and open loop flagging. **Balance breakdown:** Reads the most recent HSA statement and extracts: cash balance (the money market portion held liquid), invested balance (the investment sleeve), and total balance. Distinguishes between these because only the invested balance is compounding; cash above the investment threshold is essentially idle. **Contribution tracking with limit enforcement:** The IRS annual HSA contribution limit for 2025 is $4,300 (self-only HDHP) or $8,550 (family HDHP), with an additional $1,000 catch-up for age 55+. Reads YTD employee payroll contributions and any YTD employer contributions from the statement. Computes total YTD contributions and compares to the limit for the user's coverage tier. Identifies remaining contribution room (limit − total YTD). Projects year-end total at the current monthly contribution rate. If on pace to undershoot the limit: calculates the additional monthly contribution needed to reach it. **Investment threshold comparison:** Reads the configured investment threshold from `vault/benefits/00_current/config.md` or `vault/benefits/config.md`. Compares current cash balance to threshold. If cash > threshold: the excess should be moved to the