Pre-tax in, tax-free growth, tax-free out — the only triple-tax account.
Max HSA ($4,150 single / $8,300 family 2024), invest the balance, pay medical out-of-pocket, save receipts, and reimburse yourself decades later tax-free. Best retirement vehicle in the code.
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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.
Borrow up to $50k against your own retirement — pay yourself interest.
Triple tax-free vehicle — the best account in the code.
$300k+/year deductible contributions for older high-earners.