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@iliikeipe To avoid taxes on gains, yes. (After 65 there’s no penalty.) So, worst case scenario, it’s as good as a 401k plan. But there’s no time limit on when you can reimburse yourself for healthcare expenditures from your HSA. So save all your receipts from healthcare spend, and reimburse...

@wezekes If you have access to an HSA, max that out every year and treat it like a retirement account: invest it in the S&P 500 or similar and don’t touch it until you’re retired. (ie pay for your healthcare OOP costs out of current, after-tax funds if you can.)

@marykate1019 When doing this analysis, you need to think about the fact that paying down your student debt absolutely IS investing your money… doing so provides a guaranteed TAX-FREE return of 5.9%! Where else can you get a guaranteed tax-free return of 5.9%?

@steve77777 Note: the 5.9% return on debt pay-down is tax-free.

@drumchannell I’d swap the order of the HSA and IRA.

@shanewp1988 Note: you’ll need to elect a high-deductible health plan to participate. Use the HSA like retirement fund; don’t pay current healthcare costs with it. Use already-taxed dollars for that.

@shanewp1988 Do you have access to an HSA? If so, max that out before IRA.

@bbgrad96 5th grade math: tackle the highest rate debt first, work your way down. “Snowball” method (smallest debt first) is objectively illogical.

@dayboivietnam I’d also say throw $6500 into an IRA for this year and $7000 on Jan 1 for next year.