Health Savings Account as stealth retirement account. Triple tax advantage: pre-tax contributions, tax-free growth, tax-free medical withdrawals. 2023 limit $3850 single/$7750 family. Strategy: max HSA, invest in index funds, pay medical out-of-pocket, save receipts, withdraw tax-free decades later. Best retirement account per Mad Fientist. Requires high-deductible health plan.
Sources: Personal finance forums, investment research
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401k retirement account with employer matching and pre-tax contributions