@downtoinvest: #ad Using your HSA to invest in your health now isn't wrong. Investing your HSA and not touching it until retirement isn't wrong. We are in this era where every corner of the Internet is telling you how to over optimize things especially when it comes to money. The debate about if you should invest your HSA or use it now… is a completely personal choice. So this is your reminder that if you want to use pre-tax funds to pay for qualified medical expenses now it’s not breaking your entire retirement plan. Here's the breakdown: Yes, HSAs give you a tax deduction now. Yes, HSAs can grow tax free. Yes, HSA funds can be withdrawn tax free if used for qualified medical expenses. NO, you cannot spend HSA funds on whatever you want tax free in retirement. (I think people really misunderstand this one.) Your HSA withdrawals get taxed as regular income if you use them for non-medical purposes. Invest, use some now, or do both & adjust as life happens. These decisions don't have to be polarizing. Check out @Truemed using the link in my bio or below. truemed.com/downtoinvest fsa eligible products, hsa eligible products, how to pay with hsa card #sponsored *Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures

Mallory | Personal Finance

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Wednesday 10 June 2026 21:00:57 GMT