What if I told you there’s a government-approved, IRS-blessed, completely legal loophole to grow your money tax-free… and it’s hiding in plain sight?
No, this isn’t a crypto pitch. And you don’t have to fake your own death or move to the Cayman Islands.
We’re talking about the humble HSA—aka the Health Savings Account—and if you think it’s just for Band-Aids and allergy meds, buckle up. You’re about to discover how this overlooked account could be the stealth retirement weapon you didn’t know you had.
Most people treat their HSA like a glorified piggy bank for prescriptions. But savvy entrepreneurs (the kind we love working with at Calculated Moves) know better. The truth? Your HSA might be the only triple tax-advantaged account in existence.
That’s:
At Calculated Moves, we help family businesses, reinvented professionals, and modern entrepreneurs make smarter money moves. Whether it’s cutting taxes, automating accounting headaches, or strategizing your next big financial leap—we help you go from overwhelmed to overachieving (without spreadsheets ruining your day).
Now let’s break down the 3 secret HSA strategies that will turn your account from “meh” to “millionaire mode.”
Most people swipe their HSA card the minute they hit the pharmacy. But what if you didn’t?
What if you used your HSA like a long-term investment account instead—one that grows completely tax-free and gives your future self more financial freedom than any discount at CVS?
Let’s talk about how.
This is the simplest move on the list—and the most overlooked.
Max out your HSA contributions every year. For 2024, that’s $8,300 for families. Even if your employer contributes a portion, you should top off the rest.
Why? Because every dollar you put in reduces your taxable income immediately. That’s like giving yourself a raise and a tax break in one swipe.
And if you're already thinking, "But I don’t go to the doctor that often…"—perfect. That means you can let that money grow instead.
Here’s the strategy that feels wrong but is oh-so right:
Pay your medical expenses in cash—but don’t touch your HSA.
Instead, stash every single receipt in a digital folder like a squirrel hoarding acorns. Why? Because you can reimburse yourself YEARS later, tax-free.
It’s like creating a financial time capsule you can break open when you want a tax-free payday.
If your HSA is sitting in cash, earning next to nothing, it’s snoozing on the job.
Most people don’t realize this, but you can invest your HSA funds just like a 401(k). Think index funds, ETFs, even mutual funds. Your money can actually grow while you sip lattes and ignore your bank app.
Not all HSA providers offer investing options, so check yours or look into one like Lively to unlock those features.
Because you’re not here to save—you’re here to build.
Here’s the cherry on top: After age 65, you can withdraw HSA funds for anything—not just medical expenses.
You’ll just pay regular income tax (like a traditional IRA), but there are no penalties.
Translation? Even if you never use it for healthcare, you’ve got a powerful retirement tool in your corner.
At Calculated Moves, we know you’ve got better things to do than sort receipts, analyze depreciation, or decipher the IRS’s idea of “user-friendly.”
We help entrepreneurs like you make more money, pay fewer taxes, and finally outsource the soul-sucking financial tasks that hold you back.
So go ahead—build wealth, not spreadsheets. Let us show you how to turn your HSA (and every dollar you earn) into a powerful engine for freedom.
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Calculated Moves — Because luxury should be the reward for building wealth, not the reason you never get there.
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Donna Bordeaux, CPA with Calculated Moves
Creativity and CPAs don’t generally go together. Most people think of CPAs as nerdy accountants who can’t talk with people. Well, it’s time to break that stereotype. Lively, friendly, and knowledgeable can be a part of your relationship with your CPA, as demonstrated by Donna and Chad Bordeaux. They have over 50 years of combined experience as entrepreneurial CPAs. They’ve owned businesses and helped business owners exceed their wildest dreams. They have been able to help businesses earn many times more profit than the average business in the same industry and are passionate about helping industries that help families build great memories.