Took me a while, but I think I finally addressed all these points. If you have time, take a look and let me know if anything doesn't look right!Thanks for taking the time to update and reorganize that.
I don't really understand the argument that it can be like a non-deductible IRA (and I don't need to since it's not pertinent to me), but I wonder if, in the "Maxing out retirement accounts" section, instead of:
However, if the HSA balance is large, and you think you won't ever get enough future medical expenses to withdraw the entire balance tax-free, the HSA behaves more like a non-deductible traditional IRA:
Would it be better to say:
"However, if the HSA balance is large, and you think you won't ever get enough future medical expenses to withdraw the entire balance tax-free, it may be better to withdraw from the HSA to pay for your current medical expenses, even if you are maxing your retirement accounts." and then explain why?
Do you think that section should mention the need to keep records? Maybe in this sentence:
If you have $1,000 in medical bills, paying them out-of-pocket leaves the $1,000 in the HSA to grow tax-deferred or tax-free, and keeps the right to withdraw $1,000 tax-free in a future year, provided you have retained your receipts (and proof of payment) for those expenses.
In the "how to invest" section, this sentence is a little confusing to me:
If you view the HSA as part of your retirement allocation, you can then choose which part should be held in the HSA, and which should be held elsewhere.
Maybe "which part" should be something like: which assets or type of asset? (I think that's what is meant there)
For Lively, Lively offers a TD Ameritrade brokerage account that should now be Schwab.
), but I wonder if, in the "Maxing out retirement accounts" section, instead of: 
) for those expensesStatistics: Posted by fyre4ce — Sun Jul 07, 2024 10:52 pm