HSA Shoebox Method — Pay Medical Now, Reimburse Tax-Free Decades Later

No time limit exists between incurring a qualified medical expense and reimbursing from an HSA (as long as the expense was after the HSA opened and not otherwise reimbursed/deducted). Strategy: contribute max to HSA ($4,150 single / $8,300 family 2024), invest aggressively, pay medical bills from taxable cash, and STORE receipts. Decades later, withdraw tax-free reimbursements as needed. HSA grew tax-free the whole time. Combined with §223(a) triple-tax advantage: deductible in, tax-free growth, tax-free out. Ultimate stealth Roth.