The Most Powerful Tax-Free Retirement Tool: Start Leveraging Your HSA Now
Description
Health Savings Accounts (HSAs) don’t get much attention—but they should. With triple tax advantages (tax-free contributions, growth, and qualified withdrawals), HSAs offer a level of flexibility that’s hard to beat.
I break down how to use an HSA not just for healthcare today, but as a long-term planning tool. That includes how to qualify, contribute, invest the funds, and take strategic withdrawals.
I also explain why it’s worth tracking medical expenses—even if you don’t reimburse yourself right away—to create future options for tax-free income.
What you'll learn:
1. How an HSA can help reduce your lifetime tax burden and fit into a broader retirement strategy
2. Ways to maximize the tax benefits beyond just paying current medical bills
Submit your request to join James:
On the Ready For Retirement podcast: Apply Here
On a Retirement Makeover episode: Apply Here
Timestamps:
0:00 - How HSAs work
1:12 - Eligibility and contribution limits
3:19 - HSA details and nuances
4:36 - Timing flexibility
8:11 - Case study -- John
9:31 - Leveraging tax benefits
10:50 - Qualified medical expense
11:51 - Use HSA to the fullest extent
14:19 - HSAs in the grand scheme of things
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