The HSA Is the Best Account You're Underusing

Triple tax advantage, no required distributions, and at 65 it functions as a stealth IRA.

Contributions are deductible, growth is tax-free, withdrawals for medical expenses are tax-free. No other account offers all three.

If your cash flow allows, pay current medical expenses out of pocket and let the HSA invest aggressively for decades. Keep the receipts; you can reimburse yourself at any future date, including in retirement.