Akatswiri achichepere amatha kupewa ziwerengero zisanu ndi chimodzi pamisonkho yanthawi zonse ndi HSA

Akatswiri ambiri achichepere amasiyira Amalume Sam bonasi yayikulu yamisonkho. Kodi amachita bwanji zimenezi? Popanda kugwiritsa ntchito bwino phindu lamisonkho patatu la akaunti yosungira thanzi. Sindinakumanepo ndi aliyense amene akufuna kulipira misonkho yambiri. Ambiri samadandaula kulipira gawo lawo labwino, koma safuna kusiya nsonga.

Katswiri woyambirira mpaka pakati pa ntchito yokhala ndi deductible health plan (HDHP) akhoza kuphonya ndalama zisanu ndi imodzi zosungira msonkho wamoyo wonse. Ndi lotseguka kulembetsa inshuwalansi ya umoyo pafupi ngodya, ndi nthawi kumvetsa ndi kutenga mwayi HSA wanu ubwino.

Ndi chiyani chomwe chimawerengedwa ngati pulani yotsika mtengo kwambiri?

Mchaka cha 2023, IRS imatanthawuza dongosolo lazaumoyo lotsika mtengo kwambiri ngati ndondomeko yochotsera ndalama zosachepera $1,500 zodzitetezera paokha kapena $3,000 zogulira mabanja, ndipo zomwe ndalama zake pachaka sizidutsa $7,500 pakudziphimba nokha kapena $15,000 yabanja. kufalitsa. Healthy Young Professionals ndi omwe akufuna kukhala nawo pa pulogalamu ya HDHP. Izi zili choncho chifukwa ambiri a iwo amafuna chithandizo chamankhwala chochepa; Amapita kwa dokotala pachaka ndipo amakhala ndi malangizo ochepa kapena alibe.

Chifukwa ndalama zawo zachipatala ndizochepa, ndalama zomwe zimaperekedwa ku akaunti yosungira thanzi zitha kugwiritsidwa ntchito posunga msonkho waukulu pomanga dzira lalikulu la chisamaliro chaumoyo.

Kodi maubwino atatu a msonkho a HSA ndi ati?

Kupereka ku akaunti yosungira thanzi kumapereka mwayi wamisonkho katatu:

  • Choyamba, aliyense amene amathandizira ku HSA amalandila msonkho. Mu 2023, anthu atha kugawa $3,850, ndipo mabanja atha kupereka mpaka $7,750. Komabe, zopereka zilizonse za olemba ntchito zikuphatikizidwa m’malire awa. Chifukwa chake, ngati abwana anu apereka $ 1,000, monga banja, mutha kupereka $ 6,750.
  • Ndiye, ngati mupereka ndalama zomwe mwapereka – m’malo mokhala ndi ndalama – kukula konseko kudzachepetsedwa kumisonkho.
  • Pomaliza, mukalipira ndalama zoyenera kuchipatala, zogawirazo zimachotsedwa msonkho.

$160,000 pa banja lililonse posunga msonkho

Nachi chitsanzo cha momwe banja lachinyamata lingapindule ndi HSA:

Leah ndi Han adzakhala ndi zaka 35 mu 2023. Iwo ali okwatirana, onse akugwira ntchito, ndipo ali ndi Adjusted Gross Income (AGI) ya $225,000 USD. Iwo ali ndi HDHP pansi pa ndondomeko ya banja kudzera mwa abwana awo.

Tinene kuti Leah ndi Han amapereka ndalama zochulukirapo pachaka ku HSA yawo kuyambira 2023 mpaka atapuma pantchito pambuyo pa zaka 30. Tidzaganizanso kuti malire awo operekera amawonjezeka ndi 1% pachaka. Akauntiyi imalandira 5% pachaka, ndipo amagwiritsa ntchito chipukuta misozi cha $1,000 kuyambira ali ndi zaka 55.

Pofika zaka 65, Leah ndi Han akanatha kusunga ndalama zoposa $500,000 mu Akaunti yawo ya Inshuwaransi ya Zaumoyo. Pakati pa ndalama zapachaka za msonkho (Federal 24%, atate 5%, ndi FICA 7.65%) pazopereka ndi misonkho yotayika pakukula kwachuma, akadapulumutsa ndalama zoposa $160,000 pamisonkho.

Ndiroleni ndinenenso: Akadasunga $160,000 pamisonkho Mwa kupezerapo mwayi pa akaunti yawo yosungira thanzi.

Pamenepa, phindu la msonkho la katatu la zopereka za msonkho usanakhale, kukula kochedwetsa misonkho, ndi kuchotsa msonkho kwaulere kungakhale kwamphamvu. Tsoka ilo, ambiri a iwo sagwiritsa ntchito HSA kuti athe. Malinga ndi Employee Benefits Research Institute, pafupifupi zopereka zapachaka zinali zosakwana $2,000 pa akaunti, oposa theka la omwe ali ndi akaunti amachotsa ndalama, ndipo 9% yokha ya akaunti inali ndi ndalama zina osati ndalama.

Momwe mungapezere zambiri kuchokera ku HSAs

Kuti muwonjezere kugwiritsa ntchito ma HSAs, ndikupangira izi:

  • Perekani ndalama zochulukirapo ku Hayel Saeed Anam chaka chilichonse.
  • Lipirani ndalama zanu zachipatala kuchokera m’thumba lanu, popanda kugwiritsa ntchito mwayi wa HSA kulola kuti ikule malonda kuti igwiritsidwe ntchito ngati thumba lapuma pantchito.
  • Ikani zopereka zanu za HSA mumitundu yosiyanasiyana yama stock ndi ma bond.
  • Lolani kuti gulu ligwire ntchito zamatsenga.

Monga katswiri wachinyamata, nthawi ili kumbali yanu. Masiku amakhala miyezi, miyezi kukhala makumi. Osachedwetsa kusunga mu Hayel Saeed Anam. Yambani kusunga ndi kukulitsa chuma chanu ndikuyikanso patsogolo thanzi lanu.

Wealth Chart, C.I. Brightworth

Matthew Broome ndi wokonza chuma ku CI Brightworth, kampani yoyang’anira chuma ku Atlanta. Amathandizira makasitomala omwe ali ndi ndalama zambiri pamakonzedwe opuma pantchito, kasamalidwe kazachuma komanso upangiri wachuma. Matthew, yemwe kale anali ozimitsa moto komanso wogwira ntchito zachipatala, amagwiritsa ntchito ukadaulo wake pakuthana ndi mavuto padziko lonse lapansi kuti apange njira zosinthira ndalama kwa makasitomala akampani.

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for any investor who puts income stability above all else.”,”url”:”https://www.kiplinger.com/investing/stocks/dividend-stocks/602346/15-dividend-kings-for-decades-of-dividend-growth”,”contentType”:”GALLERY”,”teaserLabel”:”dividend stocks”,”cta”:null,”teaserImage”:{“__typename”:”Image”,”src”:”https://mediacloud.kiplinger.com/image/private/s–sN-pJuHd–/v1663075164/Investing/dividend-kings-2022-2.jpg”,”width”:3200,”height”:1800},”updated”:”2022-09-13T13:32:33-04:00″},”WhitepaperResource:602288″:{“id”:”602288″,”__typename”:”WhitepaperResource”,”title”:”Your Guide to Roth Conversions”,”altTitle”:null,”subtitle”:”A Kiplinger Special Report”,”url”:”https://www.kiplinger.com/taxes/602288/your-guide-to-roth-conversions”,”contentType”:”WHITEPAPER”,”teaserLabel”:”Tax Breaks”,”cta”:”Get the free report”,”teaserImage”:{“__typename”:”Image”,”src”:”https://mediacloud.kiplinger.com/image/private/s–Gm3YGczO–/v1614121225/roth-ira-vs-regular-ira.png”,”width”:1690,”height”:950},”updated”:”2021-02-25T18:22:49+00:00″},”Article:605214″:{“id”:”605214″,”__typename”:”Article”,”title”:”What If I Retired Today?”,”altTitle”:null,”subtitle”:”Envisioning three key areas (some of them financial and some of them not!) can help you answer this intriguing question.”,”url”:”https://www.kiplinger.com/retirement/retirement-planning/605214/what-if-i-retired-today”,”contentType”:”ARTICLE”,”teaserLabel”:”retirement planning”,”cta”:null,”teaserImage”:{“__typename”:”Image”,”src”:”https://mediacloud.kiplinger.com/image/private/s–K2PENAgF–/v1663033335/QuizzicalMan.jpg”,”width”:3200,”height”:1800},”updated”:”2022-09-13T04:30:06-04:00″,”isSponsored”:false,”sponsor”:null},”Article:605200″:{“id”:”605200″,”__typename”:”Article”,”title”:”Investing for Retirement Income Is Different – Rethink 60/40 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Don’t let slumping home sales become a personal finance crisis. Take these proactive steps to head off trouble.”,”url”:”https://www.kiplinger.com/real-estate/605221/work-in-real-estate-5-tips-to-get-through-the-home-sales-slowdown”,”contentType”:”ARTICLE”,”teaserLabel”:”real estate”,”cta”:null,”teaserImage”:{“__typename”:”Image”,”src”:”https://mediacloud.kiplinger.com/image/private/s–ZByChk6k–/v1663201638/RealtorHouse.jpg”,”width”:3200,”height”:1800},”updated”:”2022-09-15T04:30:05-04:00″,”isSponsored”:false,”sponsor”:null},”Article:605218″:{“id”:”605218″,”__typename”:”Article”,”title”:”Feeling Insecure About Social Security? You’re Not Alone.”,”altTitle”:null,”subtitle”:”New research reveals the crucial gaps in Americans’ Social Security knowledge that could make a big difference in your retirement income.”,”url”:”https://www.kiplinger.com/retirement/social-security/605218/feeling-insecure-about-social-security-youre-not-alone”,”contentType”:”ARTICLE”,”teaserLabel”:”social security”,”cta”:null,”teaserImage”:{“__typename”:”Image”,”src”:”https://mediacloud.kiplinger.com/image/private/s–OoXtRVSF–/v1601639490/SocialSecCardChart.jpg”,”width”:3200,”height”:1800},”updated”:”2022-09-14T04:42:05-04:00″,”isSponsored”:false,”sponsor”:null},”Article:605217″:{“id”:”605217″,”__typename”:”Article”,”title”:”Should I Invest in Bitcoin or Other Cryptocurrency?”,”altTitle”:null,”subtitle”:”Maybe. Maybe not. A financial adviser shares the good, the bad, and the ugly about cryptocurrency and how the underlying blockchain technology is poised to disrupt more than just how we think about currency.”,”url”:”https://www.kiplinger.com/investing/cryptocurrency/605217/should-i-invest-in-bitcoin-or-other-cryptocurrency”,”contentType”:”ARTICLE”,”teaserLabel”:”cryptocurrency”,”cta”:null,”teaserImage”:{“__typename”:”Image”,”src”:”https://mediacloud.kiplinger.com/image/private/s–TI_C4d5k–/v1597621456/Dandelion.jpg”,”width”:3200,”height”:1800},”updated”:”2022-09-14T04:30:07-04:00″,”isSponsored”:false,”sponsor”:null},”Author:603575″:{“id”:”603575″,”__typename”:”Author”,”name”:”Matthew Broom, CFP®”,”url”:”https://www.kiplinger.com/authors/matthew-broom”,”shortBio”:”u003cp>Matthew Broom is a wealth planner for u003ca href=”https://www.brightworth.com/” target=”_blank”>CI Brightworthu003c/a>, an Atlanta-based wealth management firm. He serves high net worth clients in the areas of retirement planning, investment management and comprehensive wealth advice. A former firefighter and paramedic, Matthew uses his real-world problem-solving expertise to develop customized financial strategies for the firm’s clients.u003c/p>”,”jobTitle”:”Wealth Planner”,”type”:”Contributor”,”disclaimer”:null,”generalLegalDisclaimer”:”This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the u003ca href=”https://adviserinfo.sec.gov/”>SECu003c/a> or with u003ca href=”https://brokercheck.finra.org//”>FINRAu003c/a>.”,”company”:”CI Brightworth”},”DataBlock:0c27df3286827a3d8f04b722ceac8bb075ac1497″:{“id”:”0c27df3286827a3d8f04b722ceac8bb075ac1497″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>Too many young professionals are leaving Uncle Sam an enormous tax gratuity. How are they doing this? By not taking full advantage of the triple tax benefits of a health savings account. I’ve yet to meet anyone who wants to pay more taxes. Many do not mind paying their fair share, but they do not want to leave a tip.u003c/p>\n””,”wordCount”:60},”DataBlock:c5d3d819797006afa9b767e00a7bf732b6f679ba”:{“id”:”c5d3d819797006afa9b767e00a7bf732b6f679ba”,”__typename”:”DataBlock”,”type”:”RELATED_CONTENT”,”data”:”[{“url”:”/personal-finance/insurance/health-insurance/605033/i-cant-retire-i-need-health-insurance”,”title”:”‘I Can’t Retire – I Need Health Insurance’”,”label”:”‘I Can’t Retire – I Need Health Insurance’”,”primaryMediaType”:”IMAGE”,”image”:{“id”:”51832″,”publicId”:”ChainedToDesk”,”format”:”jpg”,”version”:1659645650,”url”:”http://mediacloud.kiplinger.com/image/private/s–Khuc0vhf–/v1659645650/ChainedToDesk.jpg”,”secureUrl”:”https://mediacloud.kiplinger.com/image/private/s–Khuc0vhf–/v1659645650/ChainedToDesk.jpg”,”width”:3200,”height”:1800,”size”:347171,”tags”:[],”created”:”2022-08-04T20:40:50Z”,”credit”:”Getty Images”,”alt”:”A man in a suit is chained to his desk at work.”,”src”:”https://mediacloud.kiplinger.com/image/private/s–Khuc0vhf–/v1659645650/ChainedToDesk.jpg”,”fullDistributionRights”:true,”__typename”:”Image”},”summary”:”Health insurance is seen as a huge hurdle for early retirees, but the answer to finding affordable coverage could be simpler than you think.”,”rating”:0,”priceMin”:0,”priceMinPrefix”:””,”priceMinSuffix”:””,”priceMax”:0,”priceMaxPrefix”:””,”priceMaxSuffix”:””}]”,”wordCount”:null},”DataBlock:129f429f0c89820493842ffc0b364c758341e1da”:{“id”:”129f429f0c89820493842ffc0b364c758341e1da”,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>An early to mid-career professional with a u003ca href=\”https://www.kiplinger.com/personal-finance/insurance/health-insurance/602814/high-deductible-health-plans-dont-let-the-name\”>high-deductible health plan (HDHP)u003c/a> could be missing out on six figures of lifetime tax savings. With open enrollment for health insurance around the corner, it’s time to understand and utilize the benefits of your HSA.u003c/p>\n””,”wordCount”:42},”DataBlock:1ea983f11cdd0f7def8a30af16e8a9661822f520″:{“id”:”1ea983f11cdd0f7def8a30af16e8a9661822f520″,”__typename”:”DataBlock”,”type”:”HEADER”,”data”:”{“text”:”What Qualifies as a High-Deductible Plan?”,”size”:”2″}”,”wordCount”:null},”DataBlock:ea38c204c0d14003c1c50cd37bdef784c174f16c”:{“id”:”ea38c204c0d14003c1c50cd37bdef784c174f16c”,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>For 2023 a high-deductible health plan is u003ca href=\”https://www.irs.gov/pub/irs-drop/rp-22-24.pdf\” target=\”_blank\”>defined by the IRSu003c/a> as one with a deductible not less than $1,500 for self-only coverage or $3,000 for family coverage, and for which the annual out-of-pocket expenses do not exceed $7,500 for self-only coverage or $15,000 for family coverage. Healthy young professionals are prime candidates for an HDHP. That is because many of them need minimal medical care; they visit the doctor annually and have no or few drug prescriptions.u003c/p>\n””,”wordCount”:78},”DataBlock:ebc233833767168df01974581c9f750124a932c9″:{“id”:”ebc233833767168df01974581c9f750124a932c9″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>Because their medical expenses are low, money contributed to a health savings account can be used to generate significant tax savings while also building a large health care nest egg.u003c/p>\n””,”wordCount”:30},”DataBlock:a9a11fd4e39b1ca93a515a2c597d3347e92858f9″:{“id”:”a9a11fd4e39b1ca93a515a2c597d3347e92858f9″,”__typename”:”DataBlock”,”type”:”HEADER”,”data”:”{“text”:”What Are the Triple Tax Benefits of HSAs?”,”size”:”2″}”,”wordCount”:null},”DataBlock:c98863e1f901beeaa36d25c179e9aac89204b0f8″:{“id”:”c98863e1f901beeaa36d25c179e9aac89204b0f8″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>Contributing to a health savings account provides a triple tax benefit:u003c/p>\n””,”wordCount”:11},”DataBlock:7b22fb0ca19ae8685fce550b34d67f068345e348″:{“id”:”7b22fb0ca19ae8685fce550b34d67f068345e348″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cul>u003cli>First, anyone who u003ca href=\”https://www.kiplinger.com/personal-finance/insurance/health-insurance/health-savings-accounts/601415/hsa-limits-and-minimums\”>contributes to an HSAu003c/a> receives a tax deduction. In 2023, individuals can set aside $3,850, and families can contribute up to $7,750. Any employer contributions are included in these limits, though. So, if your employer contributes $1,000, as a family, you can contribute $6,750.u003c/li>\nu003cli>Next, if you invest your contributions — instead of sitting in cash — all the growth is tax-deferred.u003c/li>\nu003cli>And lastly, when you pay for qualified medical expenses, distributions are tax-free.u003c/li>\nu003c/ul>””,”wordCount”:77},”DataBlock:96a87f061eae1bee29a6ec555ad45ed15ad6eb84″:{“id”:”96a87f061eae1bee29a6ec555ad45ed15ad6eb84″,”__typename”:”DataBlock”,”type”:”HEADER”,”data”:”{“text”:”One Couple’s $160,000 in Tax Savings”,”size”:”2″}”,”wordCount”:null},”DataBlock:c5493f0ee392ece1e3ccbe78e0adffb61065fc09″:{“id”:”c5493f0ee392ece1e3ccbe78e0adffb61065fc09″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>Here is an example of how a young professional couple can take advantage of an HSA:u003c/p>\n””,”wordCount”:16},”DataBlock:f2d27f7185e90b54cc65252ad00d846a9bd9d055″:{“id”:”f2d27f7185e90b54cc65252ad00d846a9bd9d055″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>Leia and Han will be 35 years old in 2023. They are married, both working, and have an adjusted gross income (AGI) of $225,000. They are covered by an HDHP under a family plan through Leia’s employer.u003c/p>\n””,”wordCount”:37},”DataBlock:7f5bc0dbc6b891e4968f9bb5e23111f858dfc12b”:{“id”:”7f5bc0dbc6b891e4968f9bb5e23111f858dfc12b”,”__typename”:”DataBlock”,”type”:”RELATED_CONTENT”,”data”:”[{“url”:”/personal-finance/insurance/health-insurance/health-savings-accounts/604790/savvy-strategies-for”,”title”:”Savvy Strategies for Your Health Savings Account”,”label”:”Savvy Strategies for Your Health Savings Account”,”primaryMediaType”:”IMAGE”,”image”:{“id”:”42089″,”publicId”:”ChangePurse”,”format”:”jpg”,”version”:1600907912,”url”:”http://mediacloud.kiplinger.com/image/private/s–wKZH2jYX–/v1600907912/ChangePurse.jpg”,”secureUrl”:”https://mediacloud.kiplinger.com/image/private/s–wKZH2jYX–/v1600907912/ChangePurse.jpg”,”width”:3200,”height”:1800,”size”:356837,”tags”:[“coin purse”,”fashion accessory”,”red”],”created”:”2020-09-24T00:38:32Z”,”credit”:”Getty Images”,”alt”:”A red change purse.”,”src”:”https://mediacloud.kiplinger.com/image/private/s–wKZH2jYX–/v1600907912/ChangePurse.jpg”,”fullDistributionRights”:true,”__typename”:”Image”},”summary”:”HSAs are a super tax-advantaged way to save for health care expenses if you have a high-deductible health plan. So what are you waiting for?”,”rating”:0,”priceMin”:0,”priceMinPrefix”:””,”priceMinSuffix”:””,”priceMax”:0,”priceMaxPrefix”:””,”priceMaxSuffix”:””}]”,”wordCount”:null},”DataBlock:fec1294fe060bf330e6901dd65a8f113c74db436″:{“id”:”fec1294fe060bf330e6901dd65a8f113c74db436″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>Let us assume that Leia and Han contribute the maximum amount annually to their HSAs from 2023 until retirement 30 years later. We will also assume that their contribution limits increase by 1% a year. The account earns 5% a year, and they utilize the $1,000 catch-up contribution starting at age 55.u003c/p>\n””,”wordCount”:52},”DataBlock:40dadb10753520cb7718bcba9560f401a68e8ce4″:{“id”:”40dadb10753520cb7718bcba9560f401a68e8ce4″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>By age 65, Leia and Han would have well over $500,000 saved in their HSA. Between their yearly tax savings (federal 24%, atate 5%, and FICA 7.65%) on contributions and foregone taxes on the growth of the investments, they will have saved over $160,000 on taxes. u003c/p>\n””,”wordCount”:46},”DataBlock:1af9e22cb77d58bb33950ebcf378434fc91fa6fe”:{“id”:”1af9e22cb77d58bb33950ebcf378434fc91fa6fe”,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>Let me say that again: u003cstrong>They will have saved $160,000 in taxesu003c/strong> by taking full advantage of their health savings account.u003c/p>\n””,”wordCount”:21},”DataBlock:0fab8ae51774ad7768b40b0ac41ac38c0f496287″:{“id”:”0fab8ae51774ad7768b40b0ac41ac38c0f496287″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>In this case, the triple tax benefits of pre-tax contributions, tax-deferred growth and tax-free withdrawals can be powerful. Unfortunately, most do not utilize their HSA to its full potential. u003ca href=\”https://www.ebri.org/docs/default-source/ebri-issue-brief/ebri_ib_538_hsalong-16sep21.pdf?sfvrsn=f2673b2f_4#:~:text=The%20Employee%20Benefit%20Research%20Institute%20(EBRI)%20developed%20the%20EBRI%20HSA,31%2C%202020\” target=\”_blank\”>According to the Employee Benefit Research Institute,u003c/a> average annual contributions were less than $2,000 per account, over half of account holders withdrew funds, and only 9% of accounts held investments other than cash.u003c/p>\n””,”wordCount”:62},”DataBlock:98c3d11d99d0e55729e203a2337bfe6027217749″:{“id”:”98c3d11d99d0e55729e203a2337bfe6027217749″,”__typename”:”DataBlock”,”type”:”HEADER”,”data”:”{“text”:”How to Make the Most of HSAs”,”size”:”2″}”,”wordCount”:null},”DataBlock:a81df95ca17767f99018ea8225a80946aa533062″:{“id”:”a81df95ca17767f99018ea8225a80946aa533062″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>To maximize the benefit of HSAs, I recommend the following steps:u003c/p>\n””,”wordCount”:11},”DataBlock:f5ae82f721387f9e2662a130d67b8b96a02fd46a”:{“id”:”f5ae82f721387f9e2662a130d67b8b96a02fd46a”,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cul>u003cli>Contribute the maximum amount to an HSA every year.u003c/li>\nu003cli>Pay your medical expenses out of pocket, without tapping into the HSA to let it grow ad to possibly even u003ca href=\”https://www.kiplinger.com/personal-finance/insurance/health-insurance/health-savings-accounts/604023/the-ultimate-retirement\”>use it as a retirement fundu003c/a>.u003c/li>\nu003cli>Invest your HSA contributions into a diversified portfolio of stocks and bonds.u003c/li>\nu003cli>Allow compounding to work its magic.u003c/li>\nu003c/ul>””,”wordCount”:54},”DataBlock:5e9ae443fbf9de3b0f8c8e1b824d88bbb1368e07″:{“id”:”5e9ae443fbf9de3b0f8c8e1b824d88bbb1368e07″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>As a young professional, time is on your side. Days become months, and months become decades. Do not delay saving into your HSA. Start saving and growing your wealth while also prioritizing your health.  u003c/p>\n””,”wordCount”:34},”DataBlock:03f37a3fc2641a18ee08bb7bd129bf2122b97e95″:{“id”:”03f37a3fc2641a18ee08bb7bd129bf2122b97e95″,”__typename”:”DataBlock”,”type”:”RELATED_CONTENT”,”data”:”[{“url”:”/personal-finance/insurance/health-insurance/health-savings-accounts/604736/do-you-realize-the-power”,”title”:”Do You Realize the Power of HSAs? Probably Not!”,”label”:”Do You Realize the Power of HSAs? Probably Not!”,”primaryMediaType”:”IMAGE”,”image”:{“id”:”51133″,”publicId”:”SuperpowersDad”,”format”:”jpg”,”version”:1653580101,”url”:”http://mediacloud.kiplinger.com/image/private/s–pe2Y5HNt–/v1653580101/SuperpowersDad.jpg”,”secureUrl”:”https://mediacloud.kiplinger.com/image/private/s–pe2Y5HNt–/v1653580101/SuperpowersDad.jpg”,”width”:3200,”height”:1800,”size”:348306,”created”:”2022-05-26T15:48:21Z”,”credit”:”Getty Images”,”alt”:”A smiling father and son where super hero capes.”,”src”:”https://mediacloud.kiplinger.com/image/private/s–pe2Y5HNt–/v1653580101/SuperpowersDad.jpg”,”fullDistributionRights”:true,”__typename”:”Image”},”summary”:”Health savings accounts have tax-zapping superpowers. Check out these top 10 tips to help maximize the benefits of your own HSA.”,”rating”:0,”priceMin”:0,”priceMinPrefix”:””,”priceMinSuffix”:””,”priceMax”:0,”priceMaxPrefix”:””,”priceMaxSuffix”:””}]”,”wordCount”:null}};

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