HSA Retirement Strategy
Anyone else treating their HSA as a stealth retirement account?
I max my HSA every year, pay all medical expenses out of pocket, and plan to let the balance compound for decades — reimbursing myself later when it makes sense. The triple tax advantage is too good to leave on the table.
The problem I've run into: keeping proper documentation for reimbursements I might make 10, 15, or 20 years from now is genuinely messy. I've been cobbling together a system using folders and spreadsheets, but it feels fragile for something I'll be relying on in retirement.
A few questions for people doing the same strategy:
How are you currently tracking your unreimbursed medical expenses and storing receipts long-term? What's your system?
Do you ever model out what your HSA balance could be worth at retirement based on your current contributions and investment returns? If so, how?
If a purpose-built tool existed for this specific strategy — long-term receipt storage, running reimbursable balance, and HSA growth projections — would it be worth paying for? What would make you actually switch from whatever you're doing now?
Curious how others are handling this. Happy to share what I've learned in the comments.