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FYI - HSA is also basically a SEP IRA you can cash out when you're 65. A lot of people I know never plan to actually spend any of their HSA on healthcare until they're 65. https://www.fidelity.com/viewpoints/wealth-management/hsas-a...



Yeah, that's what I actually do. I didn't want to scare the non-Americans even more than they already are with our insurance :D

Note I didn't even get into IRAs, 401k, Megabackdoor Roths, etc.




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