You’re going to pay one way or another, so you’re just going to have to bite the bullet and pay according to the terms of your lease to avoid a blemish on your rental history. Consider it an expensive life lesson.

You’re probably also going to be in hot water with your lender because they almost certainly require this asset to be insured, which it wasn’t. Don’t stop paying that car note unless you want the lender to come after you with a vengeance.

I’ve been roasted on PF for suggesting that HSA/hdhp might not always be the best option. I don’t think people realize how much variation there is from plan to plan and from one employer to another. In your case, PPO does look clearly better. I always say you should get the best coverage that you can afford and that makes sense for your life situation. I think that becomes even more important as you get older and health problems start to creep up.

If you have a company match, at least contribute the amount necessary to get the match. I think it’s a good idea to tackle higher interest debt as a priority over investing at this time.