Do You Have a Health Savings Account (HSA)? You Should. This is one of the few things the IRS actually got right. It’s a triple-tax-advantaged account — and if you’re not using it, you’re leaving serious money on the table: ✅ Tax deduction when you contribute. ✅ Tax-deferred growth while invested. ✅ Tax-free withdrawals when used for qualified medical expenses. But before you get too excited, let’s talk about the rules: 📌 To open an HSA, you must have a High-Deductible Health Plan (HDHP). 2025 thresholds: • Individual deductible ≥ $1,650. • Family deductible ≥ $3,300. Contribution limits: • Up to $4,300 for individuals. • Up to $8,550 for families. Here’s where most people get tripped up: Yes — at age 65, you can use the funds for any purpose without penalty. But… 🚫 Non-medical expenses are still taxable as ordinary income. So while there’s no penalty, you’re not getting the tax-free win unless it’s used for healthcare. 🔁 The Strategic Play? P...