{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Freedom for Retirement™","title":"Should You Pay Medical Bills Out of Pocket to Grow Your HSA?","html":"","width":"100%","height":180,"duration":787,"description":"Letting your health savings account grow is the right move for some people and the wrong move for others, and the difference is cash flow, not discipline.\n\nAn HSA is the only account in the tax code where money goes in untaxed, grows untaxed, and comes out untaxed for qualified medical expenses. Most people collect two of the three and treat the account like a coupon for this year’s doctor visits. Josh Duncan, fee-only fiduciary and partner at F5 Financial Planning, names the one condition that has to be true before paying medical bills out of pocket makes sense.\n\nThis episode covers:\nHow an HSA beats a traditional IRA and a Roth IRA on taxes\nWhat the 2026 contribution limits and eligibility thresholds are\nWhy two people with the same balance need different plans\nWhether spending your HSA on this year’s copays is doing it wrong\nWhen Medicare enrollment stops contributions but not tax-free withdrawals\nHow to compare last year’s numbers to find which side you are on\nThe account is there to help you, and there is nothing to prove by leaving a balance untouched that you need.\n\n👉 Work with us at https://www.f5fp.com\n\nAbout F5 Financial Planning:\n\nAt F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida.\n\nAt F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most. \n\nVisit https://www.f5fp.com to learn more...","thumbnail_url":"https://img.transistorcdn.com/OMhHymyiKvGNkP8t54gkQ7TzI2XINLOZKfM_8kC6oG8/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8zMmQ1/YjllNTViYjQxODFh/ZjM5NjgyZDFmMzkx/MDYyNy5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}