You can but you can also use it to pay for all expenses tax free if you account for your medical
expenses now and apply future disbursements to them. Basically it's a way to get free money before you tap into your actual retirement accounts or regular accounts.  Previous Message Previous Message Keeping receipts for a long period of time and then going back in and actually having the discipline to enter them just has too high of a risk of me just never doing it. Previous Message They match up to 4 or 5% of my income plus the 5% profit share. That's a lot of #freemoney. And I've had HSAs for the last 10-15 years too. So I've built up pretty good reserves there too. AND I save my medical receipts for future withdrawals from the HSA, which is a bit of a PITA but doable with smartphones and programs like Evernote. Previous Message there. As of February I’m finally back with an employer that does match. #freemoney is good Previous Message I was probably 29. Previous Message 55 is way off the table for me. 60 *maybe*, but I’m probably on the 65 trajectory. Previous Message
there are others where i feel like i'm incredibly far away from being to a point where i'd be comfortable to retire at 55.
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“We are old and tired and just want to be taken care of.” - Republican voter, Dec. 2024.
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Message Thread | This response ↓
 It is not healthy how much I’m thinking about retirement - DT June 23, 2026, 7:49:55
- LAM having a 1) self employed 401k limit and 2) available 401k Roth is - gvibes June 24, 2026, 21:00:36
- Trying to move up the date by selling LBK on all the things I'll do as her personal valet... - KingTalkyTiki June 24, 2026, 14:08:13
- I've never been eligible for Roth IRAs (LAM!) and can't do mega backdoor Roths. Anybody look into - ATL June 24, 2026, 7:31:06
- I’m on the 65-67 trajectory. 3 kids going to college soon is expensive. We also made a conscious - voiceofreason June 24, 2026, 7:27:20
- I’m with you VoR, though hopefully on closer to the 62-65 timeline than the 65-67 one. - DocWalk20 June 24, 2026, 13:54:23
- Yeah—it’s all a balance, and the goal is to have the happiest and most fulfilling life - DT June 24, 2026, 8:06:38
- As Ive said previously, my kids’ college set me back $500,000* - Stu June 24, 2026, 8:02:07
- Same. I can retire at 55 so I have 3 years. I will have to do something part time - Tbag June 23, 2026, 14:00:19
- same. i play out several scenarios far too frequently vs what is realistic with the ages of my kids - lcubed June 23, 2026, 11:59:19
- I am mostly just fixated on the fact that like half my net worth is in real estate. - gvibes June 23, 2026, 11:49:29
- Thinking about it stresses me out way too much. - OB25 June 23, 2026, 11:44:31
- I just put in my 4 year retirement notice to my school, so my clock is ticking. Met w/my financial - OWWDig June 23, 2026, 11:43:18
- I've just been thinking about where to live once we retire - ISeeDeadHawkeyes June 23, 2026, 11:21:04
- There are days where I feel like i'm way ahead of target and peers by age 40 - John Coctostan June 23, 2026, 10:40:58
- It’s very healthy how much we’re enjoying retirement* - TarheelIllini June 23, 2026, 10:17:29
- Been reading up on Bogleheads and FIRE (and derivatives) - Dilbert June 23, 2026, 10:16:15
- I love what I do, so I'd probably be doing it in retirement without pay -- so why retire?* - Quiz June 23, 2026, 10:09:29
- Some random stuff I learned that may help people here - Carl Spackler June 23, 2026, 9:47:06
- Late night, come home, work sucks, I know* - Sounder June 23, 2026, 9:41:52
- I think about it all day every day* - Stu June 23, 2026, 8:57:43
- ADIDAR* - Sammich June 23, 2026, 9:25:17
- I'm trying to not allow myself to do that. - EffinIllini June 23, 2026, 8:33:13
- I put everything into SPCX, so I'm sure i'll be able to retire soon. I haven't checked it lately, - doubledown June 23, 2026, 8:32:13
- 30 minutes doing that is much healthier than 30 minutes of doomscrolling. * - ghost_of_clt June 23, 2026, 8:32:09
- It is not healthy how much I’m thinking about a life of crime. - Sammich June 23, 2026, 8:16:35
- I feel you. I have about the same amount of time left and think about it every day. - PapaDels June 23, 2026, 8:14:57
- same, but I've got 20+ years to go - IlliniSax05 June 23, 2026, 8:07:07
- I'm in the same boat but a few years further off. - Carl Spackler June 23, 2026, 7:52:55
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on June 24, 2026, 7:27:31, in reply to "I figure I can just use it to pay my old age medical expenses and not have to worry about it now*"