Can someone explain to me why I should put money into an HSA before a standard brokerage if I want to retire at 50? Or why to max out an HSA in general?

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Because it’s triple-tax advantaged and it’s extremely likely that you’ll have qualified expenses for the full tax benefit.

HSA is the only vehicle (that I’m aware of) in the US tax code that makes money completely free of tax. It’s like a Roth IRA and traditional IRA combined, in that you don’t pay tax on the contributions, nor on the withdrawals, nor on the earnings.

And if you somehow don’t have qualified medical expenses, it just turns into a traditional IRA once you turn 65.

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Most HSA administrators make you keep $1k or $2k in cash but after that the rest can be invested

P2, can you open an HSA without an employer plan? If self employed, etc

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