02-26-2019, 09:50 AM
(02-26-2019, 09:44 AM)Evan Wrote:(02-26-2019, 07:58 AM)Kaan Wrote: we look at our HSA as a long term investment. yes we use it from time to time... but I increased my pre tax contributions and the "plan" is to keep it growing the best we can into retirement.
This. IMO the HSA is best thought of as a health 401k. You get to put in pre-tax dollars, and can make additional payments into it up to a an annual cap. If we were on a HDHP I would be contributing the max into it to keep my taxable income as low as possible.
Which as a side note about HSA's. Does the yearly contribution limit INCLUDE any employer contributions. I scaled back my paycheck contribution because I realized for the full year I would over contribute if my employers contribution counts towards it.
Current
2006 4Runner V8 Limited|| Currently no BRAPS
Past
2007 DRZ400S || 2007 SV650 || 1998 Yamaha RT180 || 1998 XJ Sport || 2002 Subaru WRX Wagon || 1998 XJ Classic || 2002 VW Passat Wagon || 1992 F150 Custom
2006 4Runner V8 Limited|| Currently no BRAPS
Past
2007 DRZ400S || 2007 SV650 || 1998 Yamaha RT180 || 1998 XJ Sport || 2002 Subaru WRX Wagon || 1998 XJ Classic || 2002 VW Passat Wagon || 1992 F150 Custom