I moved to my companies high deductible plan this year. I typically have very few medical expenses and this was also a great way to add to my retirement as I already max out my 401k contributions and I also maxed out my HSA contributions. I am in a position that I can pay my expenses without going into my HSA or other savings. I already have 9 months living expenses in a saving account, so this would not take away from money that would go to my safety net.
If I am considering my HSA as a way to save for retirement, it seems to me I would want to minimize withdraws and let the amount accumulate into retirement.
Do I pay with the HSA withdrawing money from a tax deferred account to pay the bills and invest the money not used in another investment?
Or do I pay out of pocket and leave the money where it is safely tucked away for major medical expense or retirement?