Use your HSA accounts to build WEALTH not pay medical bills

Most people use their HSA like a healthcare spending account. But you are not most people dearest hustler.

Higher-income and financially informed investors often use it differently:
→ they invest it.

Why?

Because an HSA has a triple tax advantage:
• tax-deductible contributions
• tax-free growth
• tax-free qualified withdrawals

Instead of immediately spending the balance on current medical expenses, some people:
• cash flow healthcare costs out of pocket
• invest the HSA balance into index funds or ETFs
• allow it to compound for decades

Healthcare costs are one of the most predictable future expenses we all have.

The mindset shift:
Stop viewing the HSA as short-term spending money.
Start viewing it as a long-term wealth-building tool.

Important nuance:
This strategy only makes sense if you can comfortably afford current healthcare expenses without creating financial stress or debt.

Survival always comes before optimization.

#FinancialLiteracy #FirstGen #financialfreedom

Видео Use your HSA accounts to build WEALTH not pay medical bills канала Ingrid Morales