⏱️ millionaireME Minute: One of the Only Tax-Free Deals Left in America

Good morning.

It’s Wednesday, September 24th, 2025.

There are 98 days left in the year.

In personal finance, there are precious few places where Uncle Sam steps aside and says: keep it all. The Health Savings Account (HSA) is one of them.

Here’s why I call it the “triple crown” of tax benefits:

1. Tax-free contributions – Money goes in before taxes.

2. Tax-free growth – Invest it, and gains compound tax-deferred.

3. Tax-free withdrawals – Use it for qualified medical expenses, and it comes out free.

That’s the hat trick.

Who’s using them?

• Roughly 36 million Americans have HSAs today.

• But only about 7% actually invest the funds for long-term growth. Most just let the money sit in cash.

• Meanwhile, an estimated 90%+ of Americans will face significant medical expenses in retirement, from deductibles to premiums to Medigap coverage. HSAs could be their tax-free lifeline.

The fine print

• To open one, you must pair it with a high-deductible health plan—the safety net for bigger, costlier events.

• Contribution limits for 2025 are $4,300 for individuals and $8,550 for families, with a $1,000 catch-up if you’re over 55.

• Unlike Flexible Spending Accounts, HSAs roll over year after year. Build it once, and it’s yours for life.

My Four Pillars of Financial Freedom

In my book, the foundation of a solid financial life is:

1. Owning your home, free and clear

2. Eliminating consumer debt

3. A well-funded HSA for health expenses

4. At least $1M in after-tax retirement savings

Bonus round: Add long-term care coverage, especially for expensive medical events like Alzheimer’s. That’s real peace of mind.

Why this matters

Imagine hitting retirement with not only a mortgage-free home and debt-free living, but also a dedicated, tax-free bucket to cover health costs. That’s freedom. That’s confidence. That’s millionaireME.

💡 Call to action: If you’ve got an HSA, don’t just fund it—invest it. If you don’t have one, ask whether a high-deductible plan makes sense. Tax-free is rare. Grab it when you can.

millionaireME | Happy • Healthy • Wealthy • Wise

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