The HSA (or is it Roth IRA?) catch-up contribution feature isn't working properly. I wasted a couple of hours of time trying to get it to work. I finally found out (by checking Reddit) that if you answer the questions in the interview correctly, it won't let you take the catch-up contribution, but if you answer them incorrectly in a certain way, then you can take it. Evidently this problem has been present for multiple years with no correction. It was highly frustrating and time-wasting.