For those maxing out their HSA, how many of you are using it on health expenses v saving it, and why?

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Save and invest it. Health expenses will come with age and I might as well have tax free money to cover it given the SP stays its course of realizing an average 8% gain year over year

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Save it but keep receipts for disbursement closer to/in retirement when my investments have had years and years to grow tax free

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Great idea - is there a time limit for these?

My plan is to max it out every year and not touch it. I think of it as another 401k, which I also max out every year. I did pay a Bill with it though already this year so we will see how it goes. It was $1000 and it was either the HSA card or a credit card. I went with the HSA but if I had the cash I would have paid out of pocket.

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Saving and investing for now. 37. Extremely minimal health costs now and I’d rather pay “out of pocket” to keep HSA funds invested.

Using it on health expenses. HSA fees are too high to keep around and investment options are terrible.

That first point goes with the second. You can be aggressive with a segment of your investments, and that will likely get you greater net gains than the tax-advantaged accounts. When I said “know what you’re doing” I meant not trading with emotions, choosing investments with sound fundamentals, taking calculated risks, etc. Not tossing it all on GameStop or Tesla.

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