Originally Posted by TED74

A great analysis! I just wanted to emphasize that there is no time limit to reimbursement. So, if you save receipts for every health expense you pay on your own while enrolled in the HSA, you can reimburse yourself 10/15/25 years later - before or after retirement. Want to buy yourself a 50k electric Miata down the road? Cobble together your receipts from a couple of decades of not-yet-reimbursed expenses and make a withdrawal from funds that have been growing tax-free. It’s like magic if you can cover current medical expenses without touching your HSA money along the way.