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What are your "poor person" money life hacks?
(lemmy.world)
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this post was submitted on 05 Dec 2023
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You actually don't have to spend money with an HSA, ever. You can invest it, and it rolls over. FSAs must be spent within the year you contribute, though.
Sorry, I didn't say that clearly. What I mean is you have to remember to use the damn HSA card when you go to buy Tylenol instead of your normal payment method. This is...where I tend to fail lol
If you save the receipt you can send it in to your HSA provider and have the expense reimbursed from your HSA. You can do this for many many years after the actual purchase date
It's also good to not use it, if you can afford to keep it and spend normally. HSA space is extremely limited, because it's by far the best retirement account available. FSAs are fantastic for spending, as they don't have as many restrictions and don't carry over year over year.