RunningBum
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- Jun 18, 2007
- Messages
- 13,264
You might want to rethink that. If you die with an HSA balance and it goes to anyone other than your spouse, the entire balance is taxable to them in the year you die. In other words, it suddenly becomes like a tIRA, but without even the 10 year withdrawal period.HSA money will very likely be the last money I have.
I'm going to use up my HSA before my Roth, to the extent I have qualifying medical receipts or expenses. Once you've contributed to the HSA, it really behaves mostly like a Roth, in that both grow tax-free and withdraw tax free (with the qualifying medical expense caveat). So unless I'm missing something, it makes more sense to keep the Roth for last if you can.
https://www.irahelp.com/slottreport/why-your-kids-don’t-want-your-hsa covers this well.