@thewaystowealth: 📊 💰 This is an updated version of a post I ran about a month ago. The original compared HSA and Roth IRA features side by side. The question people actually have is different: when you can use both, which one do you fund first? The HSA is the only account that gets a tax break going in, grows tax-free, and comes out tax-free for medical expenses. That triple tax advantage does not exist in any other account. A Roth IRA gets two of the three: tax-free growth and tax-free withdrawals. But contributions are after-tax. The case for HSA first: if you have an HDHP, can afford to pay medical bills out of pocket right now, and want to let the HSA grow as an investment account, the math favors the HSA. You get the deduction today, the growth is untaxed, and you can reimburse yourself for medical expenses years or decades later. There is no deadline for reimbursement. Save the receipt from a $2,000 dental bill in 2026, let the HSA grow, and reimburse yourself in 2040. The case for Roth first: if you do not have an HDHP, or if you need the flexibility to withdraw for non-medical reasons without keeping receipts, the Roth wins. Contributions come out at any time for any reason with no tax or penalty. No spending rules. New for 2026: all Bronze and Catastrophic ACA Marketplace plans now qualify as HSA-eligible under the OBBBA. This opens HSA access to millions of people who did not qualify before. After 65, an HSA functions like a traditional IRA for non-medical withdrawals. Taxed as ordinary income, no penalty. For medical expenses, it stays tax-free for life. If you can max out both, do it. If you have to pick one, these five considerations are where I start the conversation. #thewaystowealthhsa

thewaystowealth

Open In TikTok:

Region: US

Thursday 26 February 2026 20:29:00 GMT