Originally Posted by
Denny Crane
Well it's good you are advocating what's mine is mine and what yours is yours. That's a given and irrelevant. What is relevant is how we receive what is ours. Your opinion is different than mine. Not right or wrong just different. If, as you say, the plan is not optional (which I'd argue it has yet to be determined) then you are dictating how I receive my money just as much as I'm dictating it to you. You do not have the high ground here......we are on level footing with differing opinions.
You are also making this personal by saying it's for me for a year or two. The tax deferral is not just for a couple of years, it's for the life of the plan and affects everyone, not just me.
Denny
I'll buy the equal footing argument, but the truth is your next few years of tax advantages will lock away my money for a much longer period of time at a rate of return that is far inferior to any investment I can make with it. With a spouse, age 50, HSA and a backdoor roth, anyone over 50 can put away $84,600 into tax sheltered accounts this year. That's every year of your last 15 if you work until 65 and it has increased each year. I'm not willing to accept optional as TBD.