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I put $4,400 into my HSA on the first day of 2026. Instead of spending it now, I’m paying qualified medical expenses out of pocket, saving the receipts, and giving my investments more time to compound. This strategy only works if you can comfortably cover the expenses today—and any future reimbursement still has to follow HSA rules. #HSA #Investing #PersonalFinance #RetirementPlanning #VOO