I have to put you on something. There is one account in the entire United States tax code that does all three of these things at the same time: Money goes in tax free. Money grows tax free. Money comes out tax free. No other account does this. Not a Roth IRA. Not a 401k. Not a brokerage account. Only one. It's called a Health Savings Account. An HSA. And the wealthy have been quietly using it for decades while the rest of America was being told to put their money in a 401k and pray. Here's why this matters for us in the Lab. Right now you are deploying your soldiers against the liability side. Eliminating debt with velocity banking. That is Phase One and it is critical. But while you attack the liability side, you can simultaneously be building the asset side. The HSA is one of the cleanest, lowest cost, highest leverage moves you can make right now. The 2026 limits are forty four hundred dollars for an individual. Eighty seven hundred fifty for a family. Plus another thousand if you are fifty five or older. And here is the move I learned at the Directed IRA Summit that changed how I think about this account forever. It's called the receipt pile. Most people pay their medical expenses straight out of their HSA the same year. However, let's think abundantly. What are your thoughts about paying medical bills out of pocket. Then keep the receipt. Then let the money inside the HSA stay invested and grow tax free. Then years later, when you want the money, you hand the IRS the old receipt and pull the cash out completely tax free. Same money. Moved differently. Velocity banking applied to taxes. Now the qualification. To contribute to an HSA you have to be on a high deductible health plan. The 2026 minimum deductible is seventeen hundred for individual coverage and thirty four hundred for family. If your plan does not qualify, you have to wait for open enrollment to switch. I am not a tax strategist. Before you make any moves, sit down with one. Not a tax preparer. A tax strategist. There is a difference and we will get into that in a future post.