- Aug 15, 2008
- Reaction score
But it isn't the growth itself--just the difference between the pre-tax vs post-tax money growing (assuming you don't just blow any money you don't put in). You'd still get growth on your taxable funds, and that growth would only get taxed at cap gains vs income rate for non-receipt HSA distributions.You're forgetting the growth on the 5k for the hypothetical 20 years. Also, I figure cash flow today vs. cash flow in retirement.
I'm too lazy to work out the math, but I don't think the gains are insane, especially considering the 3.5k/person limit.
You still come out ahead...but you'd better come out ahead if you are the crazy person stashing receipts for 20 years.