Is there a reason to focus on 401k (beyond the employer match) before HSA? Isn’t HSA more tax savings advantageous, even if just limited to health care expenses?
I’m not certain why they have HSA after 401k and IRA, but some possible things I can think of:
HSAs can be harder to take advantage of of the triple tax benefit if you’re retiring early (that is, still younger and healthier)
HSAs probably have worse investment options than an IRA
Allowing the user to optimize their Roth vs Traditional mix
Again, I don’t really know because you’re right about the HSA triple tax advantage making it seem better than IRA or 401k, but I’m sure there was a reason given if you care to trawl the subreddit.
Is there a reason to focus on 401k (beyond the employer match) before HSA? Isn’t HSA more tax savings advantageous, even if just limited to health care expenses?
I’m not certain why they have HSA after 401k and IRA, but some possible things I can think of:
Again, I don’t really know because you’re right about the HSA triple tax advantage making it seem better than IRA or 401k, but I’m sure there was a reason given if you care to trawl the subreddit.
Not really if you exclude the employer match from consideration.
Can’t retire on it I guess