Triple tax-free vehicle — the best account in the code.
With an HSA-eligible high-deductible health plan, contribute $4,150 (individual) or $8,300 (family) per year, invest aggressively in index funds (most HSA custodians allow this). Contributions deductible, growth tax-free, withdrawals tax-free for medical. Save medical receipts forever — reimburse yourself decades later, tax-free. Triple tax advantage found nowhere else.
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Shelter $69K/yr and borrow up to $50K from yourself.
Invest retirement funds in real estate, private equity, notes.
Use 401(k)/IRA to fund a business — no tax, no loan.
Shelter $100K–$300K+/yr for high-earning owner-only businesses.
Get $46K+/yr into Roth despite income limits.
Pre-tax in, tax-free growth, tax-free out — the only triple-tax account.
Borrow up to $50k against your own retirement — pay yourself interest.
$300k+/year deductible contributions for older high-earners.